PDF Ebook The Total Money Makeover: A Proven Plan for Financial Fitness, by Dave Ramsey
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The Total Money Makeover: A Proven Plan for Financial Fitness, by Dave Ramsey
PDF Ebook 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 audio 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: #217 in Audible
- Published on: 2003-11-07
- Format: Abridged
- Original language: English
- Running time: 221 minutes
About the Author
Dave Ramsey,�a personal money management expert, is an extremely popular national radio personality, and author of the New York Times bestsellers The Total Money Makeover, EntreLeadership, Financial Peace,�and More Than Enough.�
Most helpful customer reviews
383 of 409 people found the following review helpful.
One of My Favorites
By Michael Gates
I have read dozens of finance books and this is one of the best. I would put it up there with Automatic Millionaire, Rich Dad Poor Dad, and Pirates of Financial Freedom. It isn't perfect though which I will talk about later.
Who is this book for? Everyone can benefit from it, but it is great for married couples and those in their late 20s, 30s, and early 40s. Young adults could benefit tremendously from it, but I'm worried it might not be exciting or fun enough to hold their attention. It's not really meant for retirees.
--- The Good ---
* He says financial freedom is 80% behavior and 20% knowledge which is so important, and he emphasizes this by pointing out there are a lot of broke finance professors.
* There are many real-life success stories of real people which shows his method works, and they also provide inspiration.
* He lays out his seven Baby Steps and makes them simple to understand. He points out that living right financially is not complicated. It may be difficult, but it's not complicated.
* I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?"
* The book includes helpful budget forms and worksheet in the back of the book.
* He isn't all gloom and doom. He wants you to have fun and even approves of buying a $30,000 watch, but only after you reach step seven and can afford it.
--- The Not-So-Good ---
* He doesn't go into a lot of detail on how to increase your income. Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics.
* I feel his previous bad experience with debt (he was over-leveraged with his real estate investments) has made him overly zealous on not having any debt. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me.
* The book wasn't super entertaining. I found a few parts to be a little dry and repetitive. While it certainly wasn't boring, I wish more money management books would be like the new personal finance adventure novel, but I guess that isn't this book's purpose. Still, there were a couple parts that made me chuckle and he did have some interesting stories.
* He stressed putting 100% of your investments in stock-related mutual funds. First, I feel ETFs are probably better than mutual funds because they are cheaper and won't underperform the market. Second, recommending a 100% stock portfolio to everyone regardless of age, financial goals, or risk tolerance seems risky to me. Plus you wouldn't experience the diversification benefit of owning non-correlated asset classes.
* He doesn't talk about the benefits of setting S.M.A.R.T. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams.
--- Conclusion ---
Overall it is a very good book with a lot of good advice and inspirational case studies. You certainly won't regret reading it.
12 of 12 people found the following review helpful.
When I needed help, I turned to this book and it did not disappoint.
By David Soto Jr.
Where did you learn about money? Seriously, ask yourself this question. For most of us, it wasn't school, it was our parents. This means, in order for us to succeed with money, not only did our parents have to do well with money themselves, they had to be good teachers. Now, if you had this privilege, good for you. I still recommend this book. But if you are like the rest of us, you are in a real financial mess and you REALLY need this book!
I got this book in July of 2013. By the end of that first day of reading, I had cut up my credit cards. Five months later, my girlfriend were debt free. We paid off $50,000 in car loans, student loans, and credit cards. Also, I am now in a position to give. In fact, that's why I bought this book recently, to give it away. By July of 2014 we will have a three month emergency fund and will have also paid cash for a month long vacation to Mexico.
If you are tired of having to worry about money, get this book!
4 of 4 people found the following review helpful.
This book will change your life and open your eyes
By Amazon Customer
This is by far the BEST financial book I have ever read. It was completely eye opening. I didn't relive how much debt my husband and I had until we sat down and wrote it all out and started a budget. Only three months in and we have paid off all credit cards and closed the accounts, we haven't had any fights about money because we know exactly where it's going, and we are on track to pay off our house as well in almost 10 years or less now.
This book has changed our financial life and improved our marriage. We are now both on the same page and excited each time we get to cross off a debt that is gone forever.
It simply states in his book the seven baby steps you need to follow and in the exact order he says. No other books tells you the exact steps to take, they always give you bulls*** common sense but no physical step by step plan.
If you have credit card debt, student loan debt or even just want to take control of your money and strengthen your relationship then buy this book and read it. It's an easy read and only takes a few days to finish, and have a highlighter handy!
It took a few weeks to get my husband to read it but in order to BOTH be successful and be on the same page it is inevitable you both read it. We sit down for about 30 minutes at the end of each month and create our budget and it's fun! No arguing just making compromises on what's important that month.
It forever changed my life and I am forever grateful to Dave Ramsey and the baby steps. On baby step number two and not stopping anytime soon!
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