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Publisher's Summary

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress, and debt. And that's a beautiful feeling.

©2003 Dave Ramsey; (P)2003 Thomas Nelson Publishers

Critic Reviews

"The strength of this book is that it is a straightforward motivational tool. He provides the brutally direct truth about the hard work it takes to become free of debt, and his directness is a great part of the book's charm." (Publishers Weekly)

What members say

Average Customer Ratings

Overall

  • 4.6 out of 5.0
  • 5 Stars
    10,215
  • 4 Stars
    2,042
  • 3 Stars
    630
  • 2 Stars
    160
  • 1 Stars
    239

Performance

  • 4.6 out of 5.0
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    7,800
  • 4 Stars
    1,537
  • 3 Stars
    555
  • 2 Stars
    160
  • 1 Stars
    153

Story

  • 4.7 out of 5.0
  • 5 Stars
    7,814
  • 4 Stars
    1,604
  • 3 Stars
    464
  • 2 Stars
    148
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    104
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Amazing book.

Amazing. This book will change my life. Thank you. May God bless your good work.

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Change your life

I've been watching Dave's YouTube channel and I'm a new listener he speaks about this book and it's contents in length. With doubts in my mind I wanted to follow these steps by doing step 2 to pay my debt and invest in my 401k because there was this desperation in my heart that wanted to see debt gone. It's part of the reason I was searching for a solution in the first place, but this book goes in depth why you should follow these steps in this order. It's psychological to having accomplishments and it's not just the debt snowball, it is the faith snowball, it is the courage snowball, and it helps you stick to a proven plan. This book made me a believer and to get intense you have to get real focused. This book helped my mindset and it will help me make changes in myself far beyond money. Thanks Mr. Ramsey.

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very helpful!

life-changing! can't wait to try the baby steps and start being smart about money

  • Overall

ABSOLUTELY AMAZING BOOK!

Just what i needed to hear. wish i would have known this in my 20's & 30's but now that i know i am about to execute. my spouse & i were on babystep 2 before lsitening to this sobthis confirms we're on the right track & makes us want to get it done faster. Absolute must read for those that really want change.

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I now have HOPE.

This audiobook was so motivating. I'm glad I heard it rather than read it because Dave Ramsey made it that much better to understand. I'm going to listen to it again to take better notes. I've already a started Baby Step #1.

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Advice that won't go out of style

dave makes saving money fool proof. his advice will never get old. I love his reading of the book!!!

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beautiful.

hurtful to hear about myself but awesome and life changing. it was easy to listen to in the car.

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Not much substance.

The book doesn't have many specifics. Dave talks a lot about mutual funds that get him 12% return, but he never mentioned any companies, brokers, or any other details about them. Leading the listener to believe any mutual fund will lead to double digits returns is not accurate.

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LOVED!

Does not sugar coat anything which I appreciate. So I know what is my reality instead of a quick fix scheme.

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Life Changing

Absolute must. This book reinforced several ideals I had as well as opened my eyes to so much more. This book will absolutely motivate you to take financial control of your life. Not only does it motivate you to take control but it gives you a step-by-step plan (that makes sense) on how to do accomplish financial freedom.