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: Classic Edition.

By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:

Design a sure-fire plan for paying off all debt—meaning cars, houses, everything
Recognize the 10 most dangerous money myths (these will kill you)
Secure a big, fat nest egg for emergencies and retirement!

Includes new, expanded “Dave Rants” sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.

Dive deeper into Dave’s game plan with The Total Money Makeover Workbook: Classic Edition. The Total Money Makeover: Classic Edition is also available in Spanish, transformación total de su dinero.

Length: 256 pages	Word Wise: Enabled	Enhanced Typesetting: Enabled
Page Flip: Enabled	Language: English

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Product description

About the Author

Dave Ramsey is America's trusted voice on money and business. His five New York Times bestselling books-Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids-have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations and iHeartRadio. --This text refers to an alternate kindle_edition edition.

Product details

Format: Kindle Edition
File Size: 17125 KB
Print Length: 256 pages
Simultaneous Device Usage: Up to 5 simultaneous devices, per publisher limits
Publisher: Thomas Nelson; 1 edition (17 September 2013)
Sold by: HarperCollins Publishing (AU)
Language: English
ASIN: B00DNBE8P6
Text-to-Speech: Enabled
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Enabled
Word Wise: Enabled
Enhanced Typesetting: Enabled
Customer Reviews: 6,432 customer ratings
Amazon Bestsellers Rank: #33,790 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
- #2 in Christian Stewardship (Kindle Store)
- #4 in Christian Stewardship (Books)
- #4 in Personal Finance Budgeting

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2 star		1%
1 star		2%

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Marat

Too lengthy

Reviewed in Australia on 7 September 2018

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I don't judge if the ideas described in book are working well (probably they are, based on other reviews), but honestly - it's tooo lengthy. Literally 49% of the book (I'm using Kindle, that's why I can see how much I've read) looks like sales pitch. "The Total Money Makeover" name mentioned in every two sentences. Please, I don't need to be motivated to follow the methodology, I already bought the book for a reason, didn't I? In fact, half of the book my thoughts was like "OMG when are we going to start???".
So, if you have plenty of free time, then start reading from the beginning. Otherwise skip half of the book.

2 people found this helpful

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seffron holroyd

Brilliant plan

Reviewed in Australia on 17 December 2018

Verified Purchase

This book is incredibly good, with great easy laid out steps to finally have financial freedom ,peace of mind and a sense of security for you and your family in achieving future goals.
This book has given me the motivation to make this work and have long term and at the moment security.

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Jane Henderson

Good tips but a little long winded

Reviewed in Australia on 4 April 2020

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Overall this is a good money strategy book with many useful tips. I’m not so much of a fan of the Christian elements of the book or the emphasis on what makes a good Christian family. The format of the book could be improved to make it more concise/clear.

One person found this helpful

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Natasha H

Great easy read

Reviewed in Australia on 31 July 2019

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Great book, down the line simple strategies that stay with you long after reading. Easy to read and pick up on and off.

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Hossam

O regret I bought the book

Reviewed in Australia on 14 January 2019

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I bought this book expecting any guide to help me
But all the book is just don’t use credit to buy any thing
To be honest instead of buying the book
Just read this again
Don’t buy any thing by credit
That’s all
And nothing more

One person found this helpful

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Waqar

The "secrets of how to get rich" found on the internet

Reviewed in Australia on 22 August 2019

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This book was just another fairy tale story on how to get rich, yes everyone knows that cutting out credit cards helps and management of time is essential, this book was very mediocre in my opinion.

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Phillip Mason

Highly recommended

Reviewed in Australia on 5 April 2019

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This book helped me how important it is to know where your money is coming in and going out and setting up a financial plan to achieve financial goals.

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Amazon Customer

Money revelations

Reviewed in Australia on 24 May 2020

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This is in simple language. Inspiring testimonials from debt slayers. Has an order that makes the process doable and creates vision.

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Rachel Rainbolt

Work the steps and they will work

Reviewed in the United States on 14 May 2018

Verified Purchase

The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey is the book of elementary financial literacy that imparts common sense wisdom (albeit, with some fiery Christian passion) that every American should know. But I certainly didn’t. And I was in good company with the vast majority of Americans in that ignorant camp (“Don’t be normal,” he encourages, “be weird people!”). This book was my entry point into conscious personal finance and it (along with his podcast) completely shifted our relationship with money. The main battle cry of this book is to live debt-free. Free being the key word. As a slave to a lender, you can never truly be free with debt. These 7 baby steps of his are simple, universal, and brilliant. We worked them, and let me tell you, they work.

Save $1000 emergency fund
Pay off debts using the Debt Snowball: Make a list of your debts, smallest to largest (excluding mortgage) and focus all of your financial effort on one debt at a time (making only the minimum payments on all others), working your way down, with gazelle intensity. Once you cross one off, you divert all the money you were paying on that debt to the next, with the payment size growing at each step.
Save 3-6 months expenses
Put 15% toward retirement
Save for kids’ college
Pay off mortgage
Build wealth by investing

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

1,459 people found this helpful

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MrRyanD

Great Principles

Reviewed in the United Kingdom on 6 December 2018

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I am a UK reader and have to say that though the book is very American in the discussion of products that it recommends the principles are sound and help greatly.
The techniques are easy to pick up and impliment. The stories within the book give some motivation though I had a tendancy to glaze over them as I was not there for the stories but was there mainly for the tips and tricks.
Would reccommend for anyone looking to become debt free

48 people found this helpful

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Torkerz

Focused at a US based audience, but the principles remain the same

Reviewed in the United Kingdom on 11 September 2019

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As a UK based reader, I felt some of the concepts which Dave talks about are primarily focused on a US based audience; however, I think the book does give the right type of philiosophy, which is transferable to any global reader. The baby-steps Dave outlines are a good roadmap to follow and really just makes you think about money in a different way.

One dislike about the book is that there is a lot of 'filler' in by there are testimonial stories from people who have had a total money makeover. I felt this may have been done to give the reader reassurance they are not alone; however, I do think it acts as a way of diluting down the real content of the book.

Dave does talk about Financial Peace and I think this book probably covers a lot of the content covered in that book. If you haven't heard of Dave Ramsey in the UK, he's kind of the US equivalent to Martin Lewis. I like Dave's 'no frills' approach and the book isn't designed as a shortcut to wealth. The fastest way to wealth is to avoid debt like the plague, and I think Dave really addresses this.

If you're wanting to improve your basic financial approach and want to think of money in a different way, then this book is for you, but do be prepared to do some homework if you're a non-US reader to find equivalency to some of the concepts I.E. pensions etc. in your home country.

ALWAYS speak to a good financial advisor too! :)

11 people found this helpful

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Amazon Customer

Love it!

Reviewed in the United Kingdom on 3 April 2016

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Although I've not read it thoroughly, the bits I have read have made sense. 3 months later and my debts have more than halved! Only one debt left and I'm looking forward to being completely debt free later this year and then plan to start paying off the mortgage. Highly recommend

37 people found this helpful

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Chantalle Coombes

Best book for getting you on track!

Reviewed in the United Kingdom on 16 January 2017

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This book totally changed my perception of managing my money and has changed my life. I know I wouldn't be where I am today if it wasn't for reading this book. If you want to start saving and get rid of debt, this is the book you NEED to read

23 people found this helpful

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Cee Cee

Great practical advice- I listen to his podcast

Reviewed in the United Kingdom on 19 August 2017

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Great practical advice- I listen to his podcast, too. I found a lot of value in it although I did skip over parts that were very American-y.

15 people found this helpful

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kelly from the shires

Great book

Reviewed in the United Kingdom on 20 November 2017

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Great book to get your personal financials under control. While it is more for the US reader, the fundamentals of the book are for everyone regardless of where you live. Thanks Dave

13 people found this helpful

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Qwerty3

Fantastic advice

Reviewed in the United Kingdom on 18 February 2018

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Full of sage advice and encouraging stories, this is as much about motivating you to take the steps as it is about describing what the steps are.

It’s easy to read and very accessible and I will be buying copies for those close to me.

9 people found this helpful

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Aggie

Great book

Reviewed in the United Kingdom on 3 June 2017

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Good book to read if you don't have a handle on your finances. It shows how you can make your situation better.

If you have a handle on your money it might still be worth reading it, it would help to structure your approach and get you thinking about budgets and things like pensions!

11 people found this helpful

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Mr AKP

Uncomplicated, straight to the point. Not a quick ...

Reviewed in the United Kingdom on 6 March 2017

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Uncomplicated, straight to the point. Not a quick fix book, but a common sense approach to personal finance.

9 people found this helpful

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Confused

Clear, well written,

Reviewed in the United Kingdom on 29 September 2017

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Easy to understand and follow, liked the real life stories and the fact that he has done the steps himself with his family, this is a book everyone should read.

5 people found this helpful

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This book is a game changer!

Reviewed in the United Kingdom on 30 August 2017

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Dave Ramsey changed my life - really! Love his podcast and love his no nonsense approach to it all. Would recommend this as a great add-on to his podcast.

4 people found this helpful

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Branda

Life changing

Reviewed in the United Kingdom on 19 January 2020

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I’ve always been bad at money and use to impulse buy a lot. Growing up my family often goes overdraft and happily pays a monthly car finance payment on a car we could never otherwise afford. Just like any other ‘normal’ people. This book and Dave’s show really helped me see the light. Now less than one year later I’ve saved enough to pay off my student loan. It’s such a great feeling being debt free. Everyone should give this a read.

As other reviews mentioned this book has a US focus for example for particular pension advice. But the same concept can be applied easily from a UK perspective. In addition there are a lot of bible reference as Dave himself is very religious.

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raularkaia

Life changing

Reviewed in the United Kingdom on 7 November 2019

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I think this book deserves 5 star. I highly recommend it not only to the people who wants to become off debt but also to those who want a better life, I mean, to enjoy a financial peace for the rest of their lives and to stop thinking that money is ALWAYS a sourceof evil. I am that person: knocked down by my debt together with my wife but probably wealthy in 10 years time. I can feel it, I can almost touch it. Thank you, Mr. Ramsey.

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ReadnReap

If you live like no one else...

Reviewed in the United Kingdom on 12 March 2020

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This is a no nonsense book on how to live debt free.
There is no magic to it, just hard work and gazelle like intensity!
I am now debt free except for the house, and working towards joining the weird people!
“Winning at money is 80 percent behavior and 20 percent head knowledge.” Dave Ramsey

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