The Total Money Makeover

The Total Money Makeover

A Proven Plan for Financial Fitness

Book - 2013
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"Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health. Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!" This book isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you"--Publisher's description.
Publisher: Nashville, Tenn. : Nelson Books, an imprint of Thomas Nelson, [2013]
Edition: Classic edition
ISBN: 9781595555274
Branch Call Number: 332.024 RAM
Characteristics: xxvii, 237 pages : illustrations ; 25 cm


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FPL_Conor Dec 12, 2020

Overall, Dave Ramsey has some really insightful advice to finances. How relevant it is to you will vary. As a younger reader, some of the items in the book were not things I had even begun to think about (such as purchasing a house). I also believe the book is somewhat dated. Wages in the United States are stagnant while inflation on big purchases like homes have risen well above his suggested inflation rate of 4%. It's definitely worth a read, but I would take his advice with a grain of salt.

Mar 30, 2020

Ramsey is good with cutting out the BS and teaching with funny tough love. Highly recommend if you're ready to get your finances in order.

Feb 01, 2020

Good audiobook that has some gems. It's hard to not want to try to side stop or jump the order or operations that he has things in, but if you stay on track you can see progress.

Dec 03, 2019

This book has changed my life! I highly recommend this book to anyone who is struggling to organize their personal finances.

This isn't a terrible book; there is some really good advice buried here. The problem is that it is buried under tons and tons of 'personal accounts'. I didn't start learning anything of note until Chapter Six. The witty comments he includes in his page margins are distracting and insulting. This book could of been half as long as it actually is. Or maybe he could have filled it with twice as much useful information.

Solid strategy; bad execution.

Nov 29, 2016

I discovered Dave Ramsey and the Baby Steps just over a year ago. I Have read every book of his I can get my hands on since! The process is simple, you just need to stick with it and this book gave me the empowerment and motivation I needed when it was lacking. My husband and I are set to be debt free before the end of 2018 thanks to DR!

Oct 13, 2016

Inspiring. A "go get'em" sort of book. One feels as if Ramsey genuinely believes in them. This book actually motivated me to make some changes in my life, and I am going forwards sharing this with my family. I highly recommend this to young adults. At age 25 we're supposed to start putting away for retirement; this gives a solid education on how to get there, what to do, and how to retire with dignity. As someone who paid for college themselves, it is lovely to feel I have a personal financial advisor and an education about what a 401k is, Roth IRA, the snowball effect, and the 15% rule. Highly recommended.

Mattcozens Jun 20, 2016

Anyone that has seen Dave's Vlogs or followed his podcasts knows that he offers sound financial advice. This book is filled with case studies of people in various degrees of financial ruin and how they took control of their situation and achieved financial stability following Dave's methods.
Worth a look for those in need of inspiration.

May 24, 2016

I rate Dave's message, method, and ongoing mission at 5 stars. It feels wrong to give this book anything less than that in light of those things.

That said . . . if you already know about Dave's baby steps, the debt snowball, the concept of getting out of and staying out of debt, investing wisely, living below your means, paying cash for everything, etc. etc. . . . this book feels like little more than a slew of Dave's familiar, motivational sound bites. He does go into some greater detail in some things in this book than he does on a regular basis on the radio show, but--as someone who was already familiar with all of this, is on step 2, and felt it was likely a good idea to finally get around to reading the book--I don't think I got much more out of it than what I already had going in.

If this is where your "Dave Journey" starts, by all means, read the book and get started. But if you're like me and reading it is a back-fill, don't expect a whole lot more than what you already have.

Dec 02, 2015

The Total Money Makeover – Dave Ramsey

I appreciate Dave Ramsey’s experience, knowledge, and insights. I think what makes him so good at what he does is that he had hit rock bottom twice because of some poor choices and had to rebound out of his own volition. Although I got quite a bit out of this book and enjoyed a lot of the personal stories from people all over the country, I thought it was a little more basic than I would have liked. I recommend reading The Complete Guide to Money instead. It covers everything in The Total Money Makeover and some more in-depth details about financial plans and budgets. However, I can also say that you can never get enough encouragement and realistic advice from someone who has suffered and knows how sinister the hole of debt can be. This is still a good book.

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Feb 10, 2015

This is a great book for those looking to gain control of their money. The author does an excellent job laying out the steps in the path to financial peace. I appreciate that the author provides supporting documents to help you.


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Feb 10, 2015

“We buy things we don't need with money we don't have to impress people we don't like.”


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