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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness by [Dave Ramsey]

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Dave Ramsey

The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Kindle Edition

by Dave Ramsey (Author) Format: Kindle Edition

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New York Times best seller! More than five million copies sold!*

You CAN take control of your money. Build up your money muscles with America’s favorite finance coach.

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.

Print length

256 pages
Language

English
Publisher

Thomas Nelson
Publication date

17 September 2013
File size

17066 KB
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Product description

About the Author

Dave Ramsey is a #1 national bestselling author, personal finance expert, and host of The Dave Ramsey Show, heard by more than 16 million listeners each week. He’s authored seven national bestselling books including, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids. Since 1992 Dave has helped people regain control of their money, build wealth, and enhance their lives. He also serves as CEO for Ramsey Solutions.

--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 ‏ : ‎ 17066 KB
Simultaneous device usage ‏ : ‎ Up to 5 simultaneous devices, per publisher limits
Text-to-Speech ‏ : ‎ Enabled
Screen Reader ‏ : ‎ Supported
Enhanced typesetting ‏ : ‎ Enabled
X-Ray ‏ : ‎ Enabled
Word Wise ‏ : ‎ Enabled
Print length ‏ : ‎ 256 pages
Page numbers source ISBN ‏ : ‎ 1404116842

Best Sellers Rank: 55,437 in Kindle Store (See Top 100 in Kindle Store)
- 5 in Christian Stewardship (Kindle Store)
- 6 in Education Finance
- 7 in Personal Finance Budgeting

Customer Reviews:
20,408 ratings

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Dave Ramsey

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Dave Ramsey is America's trusted voice on money and business. He's authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. And check out his new products: Financial Peace Junior and Junior's Adventures Storytime Book Set! "The Dave Ramsey Show" is heard by more than 8.5 million listeners each week on more than 550 radio stations, "The Dave Ramsey Show" channel on iHeartRadio, and a 24-hour online streaming video channel. Ramsey Solutions offers a suite of products and services to help people get control of their finances and other aspects of their lives. Follow Ramsey on Twitter at @DaveRamsey and on the web at daveramsey.com.

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Customer reviews

5 star		84%
4 star		10%
3 star		4%
2 star		1%
1 star		1%

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Top reviews from Australia

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Marat

Too lengthy

Reviewed in Australia on 7 September 2018

Verified Purchase

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.

3 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.

Helpful

Kindle Customer

Frustratingly written

Reviewed in Australia on 6 July 2021

Verified Purchase

The first 10% of the book is to convince you that you need the book. Well, I know I need it that's why I'm reading. Many stories of success. But by 15% of the way in and I'd really learnt nothing and felt patronized by the style, well I decided to try a different book

One person found this helpful

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Kindle Customer

Life changing

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.

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Jane Henderson

Good tips but a little long winded

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.

2 people found this helpful

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Hossam

O regret I bought the book

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

2 people found this helpful

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Natasha H

Great easy read

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.

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Waqar

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

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.

One person found this helpful

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Top reviews from other countries

MrRyanD

Great Principles

Reviewed in the United Kingdom on 6 December 2018

Verified 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

70 people found this helpful

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.”

1,649 people found this helpful

Torkerz

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

Reviewed in the United Kingdom on 11 September 2019

Verified 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! :)

36 people found this helpful

Edmund

Get to the point - Actually... Don't bother!

Reviewed in the United Kingdom on 26 February 2021

Verified Purchase

I'm sure this book may be useful to someone who is riddled with debt (and living in America) but if you have picked up this book for a general guide on finance then you are in the wrong place.

Dave takes so long to get to the point in this book, the first 112 pages are him telling you how great his plan for getting out of debt is, sprinkled in are lots of testimonials from people who also claim his plan is great.

The actual content of this book could fit on the front cover, let me save you some time and the cost of the book: step 1, save a thousand pounds as a backup, 2 pay off your debts from smallest to biggest, 3 don't buy anything on credit, 4 save money for retirement. Wow, life changed...

Unless you are deeply in debt and living in the USA do not waste your precious time or money on this leaflet. Also if you are in the UK and dislike all the awful American over-positive mumbo jumbo you may feel sick reading this.

Well done to the guy for getting some people out of debt but man just get to the point!!

11 people found this helpful

Jordan E.

Misinformation Abounds - Buyer Beware

Reviewed in the United States on 8 July 2019

Verified 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.

509 people found this helpful

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