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.
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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Kindle Edition
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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
- ASIN : B00DNBE8P6
- Publisher : Thomas Nelson; 1st edition (17 September 2013)
- Language : English
- File size : 17125 KB
- Simultaneous device usage : Up to 5 simultaneous devices, per publisher limits
- Text-to-Speech : Enabled
- Enhanced typesetting : Enabled
- X-Ray : Enabled
- Word Wise : Enabled
- Print length : 256 pages
- Best Sellers Rank: 68,046 in Kindle Store (See Top 100 in Kindle Store)
- Customer Reviews:
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Customer reviews
4.7 out of 5 stars
4.7 out of 5
19,155 global ratings
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Top reviews from Australia
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Reviewed in Australia on 7 September 2018
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2 people found this helpful
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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.
This book has given me the motivation to make this work and have long term and at the moment security.
Reviewed in Australia on 12 March 2021
Verified Purchase
This is the only book you will ever need on personal finance. Stick to the plan and it will see you through. Prepare for risk with an emergency fund and the unexpected becomes trivial. Grow your wealth through investing and your families future will be safe guarded. Instant buy. Unlike other finance books, this one steers you away from debt. So you have nothing to loose.
Reviewed in Australia on 4 April 2020
Verified Purchase
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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Reviewed in Australia on 14 January 2019
Verified Purchase
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
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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Reviewed in Australia on 22 August 2019
Verified Purchase
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.
Reviewed in Australia on 31 July 2019
Verified Purchase
Great book, down the line simple strategies that stay with you long after reading. Easy to read and pick up on and off.
Reviewed in Australia on 5 April 2019
Verified Purchase
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.
Top reviews from other countries

MrRyanD
4.0 out of 5 stars
Great Principles
Reviewed in the United Kingdom on 6 December 2018Verified Purchase
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
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
65 people found this helpful
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Rachel Rainbolt
5.0 out of 5 stars
Work the steps and they will work
Reviewed in the United States on 14 May 2018Verified 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.”
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.”

5.0 out of 5 stars
Work the steps and they will work
Reviewed in the United States on 14 May 2018
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.Reviewed in the United States on 14 May 2018
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.”
Images in this review

1,621 people found this helpful
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Torkerz
4.0 out of 5 stars
Focused at a US based audience, but the principles remain the same
Reviewed in the United Kingdom on 11 September 2019Verified Purchase
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! :)
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! :)
31 people found this helpful
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Jordan E.
1.0 out of 5 stars
Misinformation Abounds - Buyer Beware
Reviewed in the United States on 8 July 2019Verified Purchase
Dave Ramsey cannot do Math. Misinformation abounds in this book. First, Ramsey’s famous “12% market return”. This is a false number, and even if he used the correct number for the S&P since it’s inception (10%), it’s not adjusted for inflation. *Real* market returns (the increase in actual value in today’s dollars) are between 6 and 8 percent (see Warren Buffet). Ramsey does some truly spectacular math with this B.S. number, including the statement that if you invested $3600 instead of prepaying for your own funeral you would end up with almost half a million dollars. That’s outright deceptive. There’s plenty of these nuggets throughout the book. Lines such as “you cannot pay off your student loans while in school” (you can, payments just aren’t *required* while in school) are a good example. Or that you can securely withdraw 8% of your nest egg and still see an annual 4% return. This advice is outright dangerous, because the actual value you can withdraw safely in perpetuity is around 3%. That’s how volatile markets and inflation work. Withdraw 8% of your principal per year and you will run out of money.
His statements on debt are also questionable, especially student debt. The message is “don’t do it!”. This might make economic sense for an arts major, but for an engineering/STEM major, debt truly is an instrument. Your increase in salary for the first few years post-graduation alone makes it economical.
His statements on debt are also questionable, especially student debt. The message is “don’t do it!”. This might make economic sense for an arts major, but for an engineering/STEM major, debt truly is an instrument. Your increase in salary for the first few years post-graduation alone makes it economical.
409 people found this helpful
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Chantalle Coombes
5.0 out of 5 stars
Best book for getting you on track!
Reviewed in the United Kingdom on 16 January 2017Verified Purchase
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
30 people found this helpful
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