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The Total Money Makeover:
A Proven Plan for Financial Fitness


By: Dave Ramsey | | Rockstar Review | Categories: Debt, Earning More, Money Management
This is the simplest, most straightforward game plan for completely making over your money habits based on results. This book will help you: design a sure-fire plan for paying off all debt - cars, houses, everything - recognize the 10 most dangerous money myths, and secure a big, fat nest egg for emergencies and retirement!
Recommended by the following bloggers:


What Bloggers Are Saying...

"Let's face it: Dave Ramsey has a way with words. This was a fun read."
"Succinct advice on about everything you need to know about money matters."
"This is more of a lukewarm recommendation, as the first chapters are great at lighting a fire under your a$$ to pay off debt, but it can be a bit preachy and his investment advice is horrible. It's a good book for the right person."
"Motivated me to get out of debt, and it gave me the mechanics of how to do so!"
"Good basic tactics if you are struggling with debt and want to get on better financial footing, with biblical wisdom thrown in. Not so helpful if you already have your money act together."
"Easy to read. Practical step. Funny and serious anecdotes."
"Straight forward and easy to read book with advice anyone can follow."
"This is the book I give to people to help them get started on getting out of debt and starting to pay attention to money. Dave Ramsey's baby steps get people fired up to change their financial behavior, which is the most important thing. Once you get your debt paid off and get your financial footing, you can move on to better investing advice."
"His plan is simple, concise, and works every time."
"Working the Dave Ramsey baby steps has been paramount to our financial success in that we finally stopped trying to do everything at once (retirement, emergency fund, kid's college, extra payments on the mortgage, etc) and focused on doing one thing at a time. Since starting the baby steps, we've paid off over $27k of student loans, becoming debt free except our mortgage, built up a 6 month emergency fund, bought 2 vehicles with cash, funded debt free vacations and learned to live without debt (other than our house)."
"Awesome, actionable advice for people that are already in the middle of the forest and don't know how to get out -- which is when most regular people start to pay attention to money."
"Dave Ramsey is the man! He lays out a concrete plan that put you and your money on the same page. His now famous steps walk you through a life transforming process that will help the majority of people think differently about their money to spend less and save more."
"While I don't agree with all of Dave Ramsey's advice, this book was great for my wife and I as we began our journey towards dumping all of our debt and embarking on our journey towards financial independence. It helped us to understand the psychology of money much more than we had before, and it helped us down the right path. It also pushed me towards starting a personal finance blog!"
"Just a great overall guide to help someone first starting to get their finances together. It shares real life examples of other who have over come debt, and those examples are highly motivating."
"Dave Ramsey brashness on money topics is refreshing. Most people today don't talk about their money issues, but it is the huge elephant in the room. Ramsey is good at calling it out."
"It's applicable to everyone. It's the basics, and much needed in today's world!"
"Dave Ramsey offers good advice. While it's not perfect, it's a plan and it has helped many a person get out of debt."
"I love how it breaks down getting your financial life in order in easy-to-understand terms. It's a wonderful book for beginners but I especially love this book for couples because it gives solid advice for discussing money matters with your spouse."
"Good, basic financial habits are the building blocks of wealth. Even high earners can be flat broke and in debt without good habits."
"I love Dave Ramsey, and this book summarizes everything he has to say. I don't agree with him on everything, but this book started me on my financial journey, so I think it's the best first book to read on finances for anyone."
"This book has helped me get a grip on my debt. It focuses on a plan called the debt snowball, which helps people get their finances in order to pay off the debt. You start with your small debts and eventually get to the large ones."
"This was likely the first personal finance book my husband and I ever read. It gave us a whole new outlook, especially as a couple in our early thirties that hadn't had much good financial direction growing up."
"It inspired me to start TeensGotCents"
"Straightforward advice, clear plan, actionable, inspiring"
"The main reason I love this book is it forces the reader to accept fault for their current financial situation. Only when an individual accepts the blame do they have the power to change their situation."
"Dave Ramsey's advice is timeless. Aside from the baby steps, which anyone can follow, he delves into the psychology and habits of what makes people successful with money."
"This is an excellent book to get started on your financial journey. Dave Ramsey has a no BS approach to getting out of debt, preparing for retirement, and working your way through his baby steps."
"I graduated medical school with >$400,000 in student loans, this book helped me figure out how to manage them(basically pay them off asap!)"
"Once you start really learning about money it's not so great (stop telling people to expect 12%!) but to get people started I don't think you can beat Dave Ramsey. He's got the passion and knowledge to make people go from clueless to responsible."
"Good how to with baby steps and catchy quotes"
"I know Dave can be contentious and I think his investing advice isn't great, but he has developed a plan that really does seem foolproof (which is why it can be overly conservative at times). Like many, Dave was my gateway drug into personal finance."
"It totally kicked my butt and forced me to realize that no one else is going to fix my money mess but me."
"Ramit included it all and focused on creating a rich life vs being miserly."
"I love it for its simplicity. It is perfect for the person starting out or over in life, because it meets you where you are in your financial journey. We live in a world were everyone tells you everything you have to do, but they don't help with a plan. The 7 baby steps outlined in the book are the perfect plan to get started with when you don't know where to begin."
"Out if the MANY financial books I have read, this was the first one which caused me to finally start making real changes to my financial behavior. It's a great book for everyone."
"Dave Ramsey's book gave me my wake-up call, and for that, I will always owe him a debt of gratitude. I lived with my financial head in the sand for decades. The mini-wake-ups that came my way all along did not do the trick. It took 6 years of financial distress to get me to pay attention. A friend gave me the CD version of Ramsey's book, and as I listened to it during my commutes to work and back in the car May 2012, I actually cried. My husband was equally psyched by the vision of debt-freedom Ramsey presented. Together, we started our journey out of all debt in June of 2012, and we haven't looked back."
"I don't agree with everything Dave Ramsey says, but his work has made money management more accessible and realistic for the average American family. He has some great tips that anyone can follow, and I've known several families and individuals who've completely transformed their financial lives after reading his book. Definitely a must-read for anyone dealing with debt."
"Good book to learn the basics about saving and investing and to come back to as a reference throughout life."
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