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

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

by Dave Ramsey
4.6 35


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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness 4.6 out of 5 based on 0 ratings. 35 reviews.
J4Life5 More than 1 year ago
Radio talk show host and money maestro Dave Ramsey shares his sure-fire baby step method to financial security. He also debunks money myths and explains how commonly held beliefs about money and debt actually enslave American consumers. At the end of the book, Ramsey offers worksheets to help readers work out a budget and implement the principles covered in his book. As Ramsey himself states at the beginning of this book, this is not a get rich quick book filled with information that can not be found elsewhere. Instead, it is a common sense approach to getting rid of debt by paying it off and not allowing it back into your life. I think this book should be a required read for anyone undergoing credit counseling, going through a bankruptcy, or for high school seniors before they leave home and enter college. A lot of the information is common sense or easily figured out if you just spend a little time thinking about what is really important in life. However, the majority of American consumers either don't have this insight, or just choose not to exercise it! What I found most helpful about this book was the myth debunking section. It is funny how misconceptions that are repeated often enough from a variety of sources eventually become "facts". I loved how Ramsey played on the names of different credit cards or financial terms to help readers easily remember why they should not even be considered by anyone wanting to be financially healthy - for example, a car "fleece" instead of a car lease, and Social Insecurity. He has an engaging writing style that makes the potentially dry topic of money management an interesting, quick read. This book doesn't take that long to read, but can be life-changing if families take the time to implement the Baby Steps. I also really liked the way Ramsey offers hope to everyone, regardless of their age or economic level. He shared stories of all different types of people that utilized his strategies to become debt free. The chapter focusing on educating children on beginning with a solid foundation was good, too. As I read back over this review, I see myself saying over and over, "This was good and that was good". Obviously this was a good book with a lot of helpful information. I can't think of anything really critical to say. If you desire to have financial freedom, walk through the steps of this book. If it doesn't bother you to look into the future and see years and years of making payments to banks and other organizations making them richer while you continue to get by without a solid financial plan, then spend your reading time on something else. But again, this book can provide you with the tools to financial freedom through common sense and delayed gratification, so check it out if that is something you are interested in. I received a complimentary copy of this book from BookSneeze in exchange for my honest review. All opinions are my own.
jandieNY More than 1 year ago
Had already read the first edition, but still enjoyed reading the updated version. Bought 3 copies to give for Christmas presents. Only wish I had started his plan when I was younger.
The_Psychotic_Housewife More than 1 year ago
Dave Ramsey helps you design you own surefire plan for paying off ALL of your debt - from your house to your car, and yes, any medical bills too. He helps you recognize the ten most dangerous money myths that tend to get most of us in trouble, like the fact that debt consolidation might help you save interest, but it only treats the symptom, and most folks who consolidate their debt end up right back in the same cycle down the road. He'll also help you fatten up your savings account, so you're ready for those financial emergencies like car repairs (ahem) and get you on the path to a secure retirement fund. While this book was previously released about 10 years ago, this new edition has been updated with new insights (since the 2008 recession has/is affecting most of us) and current resources at the back of the book. Please note that I received a complimentary copy of this book to review.
PJtheEMT4 More than 1 year ago
The Total Money Makeover: A Proven Plan for Financial Success by Dave Ramsey educates the reader with common sense financial planning. This book is not written for the wealthy, but all socio-economic walks of life. Ramsey's financial wisdom can apply to the single mom with a $20,000 income or a family with a $70,000 income. The strength of this book is that it can be applicable to everyone's financial situation- even those who find themselves unemployed and burdened with debt. The author offers a glimmer of hope- a way out of debt in a world where so many despair after losing jobs. This release of the original classic is timely considering the large unemployment rates, and record high numbers of people collecting food stamps and other assistance. A financially struggling society needs a book like this- filled with common sense steps as well as spiritual biblical insight. One point of issue is that I do feel that Ramsey's income to housing ratio is either out of date, or not applicable to many places with very high costs of living such as New Jersey and California. As Ramsey suggested, housing should not be over 40-45% of the gross income. Yet, for many disadvantaged individuals and families who do not own homes and find they must rent, there is no way to avoid this discrepancy. In NJ, it is the norm to find an average apartment under 1100 square feet, 3 bedrooms, 1 bathroom- to cost $1500 per month. Housing costs are high even for a modest homes. Relocation to cheaper housing is not an option when it requires relocating to a new state. This author addresses the psychology behind the science of saving money and budgeting. He encourages simple "baby" steps in order to show the reader that it is possible to master their spending and saving. He introduces simple to understand concepts- with concrete steps to follow. This is not simply an academic book on the theory of budgets and savings. Ramsey actually takes on the role of the personal life coach or accountant with specific steps and a plan to follow. In cases where one's financial situation is so dire that the basic needs cannot even be met he challenges the reader with aggressive yet effective tactics- such as a second job or selling non essential or expensive items such as cars, boats, jewelry. He even suggests garage sales as a way to squeeze out a bit of money. Yet- this book isn't about accumulating money and wealth simply for the sake of accumulating wealth. The author shares the greater purpose which is to reduce, and eliminate debt as well as the use of credit cards. Additionally, watching spending habits and making smart choices contributes to the sustainability of a budget. This book is a real eye opener as it educates the reader with valuable information about loans and debt. He provides interesting facts about the dangers of payday loans, rent to own payment plans, car payments and buying lottery tickets- explaining how institutions and loan sharks take advantage of the poor and desperate- creating an ongoing cycle of poverty. This book stats from the beginning with the "baby steps" of saving a smaller sized emergency fund- down to the more advanced final steps of paying off a mortgage and buying a car with cash and saving for retirement. Throughout the book are real life stories of regular ordinary families and people who succeeded in their financial goals with Ramsey's money makeover plan. The back of the book includes several very useful budgeting worksheets as well. I feel like this book makes a great resource. As a blogger for booksneeze I received this book published by Nelson Books, and imprint of Thomas Nelson publishers.
ArizonaMike More than 1 year ago
An easy ready and common sense instructions for getting rid of debt. It gets you excited about eliminating payments. I wish I had found this many years ago, but it's never too late to get control
Anonymous More than 1 year ago
Hthiis a really good book it is helping me before i graduate and start college. It has really made me realize some of the decisions i had planned have changed that way i do not start off on the wrong track. Thanks Dave Ramsey.
Anonymous More than 1 year ago
I read Financial Peace University years ago. We're in a place in our lives where we are ready to get out of this nagging debt and prepare for the next phase of life. It is based on simplistic principles and discipline.
Anonymous More than 1 year ago
This is a great book with easy to understand steps to take that make logical sense. I like that this method can help those struggling with debt to see the progress they are making so they feel encouraged to keep going.
Anonymous More than 1 year ago
Anonymous More than 1 year ago
This book helped us get out of debt and stay out! I recommend it to everyone and have probably bought 10 copies and given them as gifts to my friends and family that ask "How did yall manage to get out of debt while raising 4 kids and not making more than $65,000 a year?" It's all about changing your spending habits, budgeting & working hard. There is no magic, easy way out. Happy to say our daughters highschool teaches Dave's course now. It really was a life saver for us!
KittyBeanBag More than 1 year ago
Fantastic book. I would recommend this to everyone, along with his radio show.
xenophonmil More than 1 year ago
Mr Ramsey provides excellent and clear advice on the critical issue of getting out of personal debt. It seems he believes this a very 'hard sell' because about half this book consists of lengthy testimonials by people who claim their new success is due to following his advice. His approach is to follow what amounts to an "AA" type step agenda. All his statements about debt in general and its specific causes and forms are valid.As one who adhered to his principles for life and have never been in debt beyond a temporary home mortgage I recommend anyone follow this advice. But better is to stay out of debt. The critical ideas could have been written in half the space with stress on how to stay out of debt.' try it john sloan.
C7TX More than 1 year ago
Very thankful for Dave Ramsey Total Money Makeover. It is not only a great book for getting your financies in order but your lifestyle.
Anonymous 23 days ago
Very motivational book. Worth the buy
Anonymous More than 1 year ago
I like the way he explains the ideas, very simple for anybody. Looking forward to put all these financial tools in practice
Anonymous More than 1 year ago
I recently finished reading this book and it has really opened my eyes. It scared me big time, huge eye opener. I think every young person should read this book. It's an easy read and has a lot of really great information in it. It has completely changed the way I look at money and I will highly benefit from this book. It does have some religious quotes in it. Even if you are not a christen, if you can look past that I think it could be really helpful to anyone who reads this. It doesn't have a TON but there is some through out the book. I wish I would have found this book sooner. I could have saved myself a lot of stress. I'm excited to becoming debt free! I highly recommend this book to anyone, even if your doing well with money.
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Love Dave Ramsey. He's a huge help with understanding money issues.
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