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The Total Money Makeover: A Proven Plan for Financial Fitness, by Dave Ramsey
PDF Download The Total Money Makeover: A Proven Plan for Financial Fitness, by Dave Ramsey
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The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, 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!"
The Total Money Makeover 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.
- Sales Rank: #6752 in Books
- Brand: Brand: Thomas Nelson
- Published on: 2007-02-06
- Released on: 2007-02-06
- Format: Abridged
- Original language: English
- Number of items: 1
- Dimensions: .92" h x 7.35" w x 9.61" l, 1.63 pounds
- Binding: Hardcover
- 272 pages
- Used Book in Good Condition
About the Author
Dave Ramsey is America’s trusted voice on money and business. His four New York Times best-selling books –Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership – have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations and iHeartRadio.
Most helpful customer reviews
158 of 164 people found the following review helpful.
Common sense for your dollars and cents.
By Jen C.
Although Dave Ramsey is becoming more widely known around the nation, I can still mention his name here in Chicago and get a "Who's that?" response. I first found out about Dave while living in Kentucky through a co-worker. This discovery turned my life around.
Two years ago, my husband and I were a little over $36,000 in debt including credit cards, cars, and student loans. Today, we are completely debt-free, saving an emergency fund like Ramsey strongly advocates in the book, and we will be able to purchase a home on a 15-year fixed rate mortgage (also something he advocates in the book).
The philosophy is incredibly simple, and a few other reviewers have already listed his "baby steps," so I won't rehash that again. "Baby steps" actually came from the Bill Murray flick "What About Bob?", in case you're wondering. Not only are the steps easy to follow, but you'll want to channel Homer Simpson and have a "Doh!" moment when you read it. On his widely syndicated talk radio show, Ramsey uses the opening line, "Teaching you the same advice your grandmother would, only we keep our teeth in." That line is in deference to the fact that he realizes he is teaching people common sense money management.
If you're in love with your FICO score or looking for a financial expert to help you improve your credit, Ramsey's book is the wrong one for you. Be forewarned that he cares NOTHING about a credit score. The only debt that he "allows" you to keep is a mortgage, and he's not crazy about that. If you're looking for a way to get out of debt, stay out of debt, and learn to make the most of your hard-earned wages (possibly become a millionaire in the process), then you need to read this book. It may change your life; it changed mine.
0 of 0 people found the following review helpful.
Relevant for anyone ready to clean up their debt mess
By Jennifer K S H
A no nonsense look at how to manage finances. Its eye opening...maybe a little too much in some cases. If you listen to Dave on the radio then this book will seem low key. The steps are easy to follow. In fact they are almost too easy its tempting to over complicate them. I like the personal stories of families who made the commitment to a debt free life (now or eventually!)
If your ready to clean up "the mess" then this is a perfect starting place. I've read a number of finance guides as we work to clean up our debt and I wished I had discovered this years ago. I can also see that this is a book I'll come back to as I progress through the baby steps. For example, when I'm ready to really start investing in retirement. Before I read this book, retirement seemed like a dream. But now, with Ramsey's plan, I can see how this too will be in our future.
823 of 967 people found the following review helpful.
A lot of bad advice for many people
By J.M. Parsons
I bought Ramsey's book because he has so many raving fans (my daughter among them), and the loyalty they express is often literally evangelical in nature. Offering any criticism of Dave Ramsey's advice can draw fusillades of righteous indignation. Any negative comments about Dave Ramsey, Financial Peace University or any of the many products he sells may be answered by, "You obviously love debt," and "why are you so against living by Biblical principles?"
As a financial professional, I can legitimately claim to be an expert in matters of debt and credit. So I bought his book so I could see just what it was about Dave Ramsey would cause these extreme reactions. After reading it carefully, I have come to some conclusions.
First, I must acknowledge that there is a lot to like about Dave Ramsey. His basic teaching can be boiled down to this:
1. Don't buy stuff on credit that you can't afford
2. Set aside money for emergencies and the future
3. If you are in trouble with debt, stop incurring it (we could also state it as, "When you're deep in a hole, stop digging.")
4. Make a plan to retire your debt systematically
He offers a step-by-step method for getting out of debt and onto a better financial footing. He teaches that you should pay attention to your finances and work from a written budget.
These are all good things.
My first concern is that Mr. Ramsey teaches that All Debt Is Evil (with the possible exception of a 15 year mortgage). Others here have mentioned his assertion that "responsible use of a credit card is not possible." His audience is urged not only to pay off their debt (a Good Thing), but to cut up the cards and close the accounts.
As a mortgage lender, I can attest that this will destroy an individual's credit score and make securing a mortgage very difficult and expensive. Mr. Ramsey's simplistic answer to getting a mortgage without a credit score (or, more accurately, without any active accounts) is to "find a lender who does manual underwriting." The simple fact is that ALL mortgages are manually underwritten. It is possible to get a loan using "alternative credit" (rent receipts, cell phone bills, utilities, etc.), but these loans are, without exception, far more expensive than conventional loans. At a minimum, a borrower without any open accounts will have to resort to a government-insured FHA loan, which carries an up-front mortgage insurance premium of 2.25% of the loan amount, plus .55% additional insurance, paid monthly.
There are many instances of bad, even dangerous advice from Mr. Ramsey, often couched in terms similar to those found in 12-Step programs, expressed in his avuncular, folksy style. He makes liberal use of logical fallacy and outright false statements to advance his points.
I believe Dave Ramsey's appeal (and the vehicle that is earning him a reported $40 million annually) is to those who are desperately in debt, primarily because of their own bad habits. They are looking for any lifeline, and he offers them not only a method, but also encouragement to stick with their plan.
But for people who are NOT in dire straits, simply looking for a way to improve their financial lives, there are far better places to seek guidance than Dave Ramsey's simplistic, one-size-fits-all advice. Borrow one of his books or check them out at the library, read them critically and decide for yoursef whether my comments have any merit.
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