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  • The Total Money Makeover

  • A Proven Plan for Financial Fitness
  • By: Dave Ramsey
  • Narrated by: Dave Ramsey
  • Length: 3 hrs and 41 mins
  • 4.6 out of 5 stars (1,626 ratings)
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The Total Money Makeover cover art

The Total Money Makeover

By: Dave Ramsey
Narrated by: Dave Ramsey
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Summary

READ BY THE AUTHOR.

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey.

By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.

The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to:

  • Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method
  • Break bad habits and make lasting changes when it comes to your relationship with money
  • Recognize the 10 most dangerous money myths
  • Secure a healthy nest egg for emergencies and set yourself up for retirement
  • Become financially healthy for life
  • Live like no one else, so later you can LIVE (and GIVE) like no one else!
©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 listeners say about The Total Money Makeover

Average customer ratings
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  • 4.5 out of 5 stars
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  • Overall
    5 out of 5 stars

Thank you Dave Ramsey

This is a quick update to those in need of hope. I wrote a review back in June last year and now wish i could give this book more than 5 stars!!! We are now debt free, thanks to Dave's principles layed out clearly in this book.

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29 people found this helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

Best Financial Management Book EVER!

I have searched for years for an easy to follow book that would help me get out of debt, manage my money better and help me to build long-term wealth and I have finally found it, thanks to God!

As a single parent, with debt up to my eyeballs and a business, I knew that things had to change if I didn't want my daughter to suffer finacially but I didn't know how to change it.

I have read Rich Dad Poor Dad and other property investment/financial advice books but there was always a catch of having to go to a 'paid' service to find out more or to start applying knowledge - this book is different!

I have spent the last 4 hours listening to the book and was able to start the process of the 7 step plan as I was listening. Hearing the story about another single parent and others who, like me, were in terrible financial positions and how they have been able to become debt free and start building wealth is exactly the motivation I needed to start taking ACTION.

All of the steps are easy to follow and while they require effort, have transformed how I view money and given me the order in which I should tackle my financial problems - which is something most other books lack.

I can see very clearly now where I should be focusing my efforts and why. Moreover, I now feel empowered to make better financial decisions and it has actually saved me from making another costly mistake to the tune of £18,000.

I'm now going to invest in the Financial Peace university, which at only $129 is the most affordable financial program I have ever come across.

I am so grateful to God for answering my prayers and for finally helping me to take accountability and responsibility for my financial mistakes. I'm ready to be wealthy! #poverty2prosperty here I come!

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21 people found this helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

Very 'American' but brilliant advice

Although not totally in sync for a U.K. audience (different terminology, investments, etc) you can work around that.

The principals however are spot on, having an emergency fund has totally changed my thinking about money and the budgeting to zero each payday is brilliant, I now have money at the end of the week while still having the payments allocated in sinking funds instead of spending it if they didn't come out of my bank.

All in all, highly recommend, a great way to look at the way you deal with money.

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13 people found this helpful

  • Overall
    3 out of 5 stars
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    1 out of 5 stars
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    2 out of 5 stars

Probably decent advice if you live in the US.

There is some decent advice in this book but the amount of time God is mentioned in an financial advice book is very strange. It's like reading a book on quantum physics and the author keeps mentioning the influence of fairies on physics. His focus on the long term financial planning is refreshing and it can't hurt to read but the book is very much for an American audience. As far as the performance goes; I did not appreciate the shouting or the overly emotional delivery.

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9 people found this helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

brilliant.

great advice. strong American biased but the basic plan is sound where ever you live.

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7 people found this helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

Life changing advice

Dave Ramsey knows his stuff. Listening to this book has really changed how I think and feel about spending and budgeting. I've gone from living in my overdraft to having literally £1000s in savings. give it a go - you won't regret it.

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3 people found this helpful

  • Overall
    1 out of 5 stars
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    1 out of 5 stars
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    1 out of 5 stars

Very poor book

Most of the book tells you about not borrowing money. It's not worth it at all.

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3 people found this helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

Great advice

Very straight forward advice that anybody can follow and become wealthy get out of debt save for retirement etc.

The advice is very american-based which is obvious as he is from the US but it translates very easily to the UK so can still be followed.

I loved the baby steps, so easy to take on board and digest. I admit it would take most people a while to go through all the steps and reach the stage where u get to "live like no one else because u've lived like no one else"but the goal definitely seems worth it.

highly recommended.

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3 people found this helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

Excellent from start to finish

If you are tired of living life payday after payday and never seeming to have any money then I highly recommend this book.

It is a tried and tested method that so far has worked wonders for me!

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3 people found this helpful

  • Overall
    4 out of 5 stars
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    4 out of 5 stars
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    4 out of 5 stars

Good sound advice

It's what many people need to hear. No rocket science. Just straight talking. Short and to the point. The tough talking could feel a little OTT for some but it is not unbearable; I found it entertaining and used appropriately to stress points. Will pay for itself many times over

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3 people found this helpful