The Total Money Makeover Updated and Expanded: A Proven Plan for Financial Peace

I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home. The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index. I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends. I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful. If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!

I highly recommend this book. Dave Ramsey made this an easy read, easy to understand and extremely useful. I bought this for my 30 year old son and we both read it. He really appreciated it and has started to implement some of the strategies and ideas Dave gives in the book for budgeting and saving for your future as a young person. If you have a child struggling with finances, or even yourself, this book is a great start to get on a healthier financial lifestyle.

"The Total Money Makeover: Classic Edition" is a game-changer when it comes to achieving financial fitness. Dave Ramsey's proven plan offers a clear and actionable roadmap to transform your financial life. The book's approach is refreshingly practical and straightforward. Ramsey's advice is rooted in real-world experiences and time-tested principles. From tackling debt to building an emergency fund and investing wisely, each step is explained with clarity and purpose. What sets this book apart is its emphasis on personal responsibility and discipline. The actionable steps are applicable to anyone, regardless of their financial situation. Ramsey's motivational tone and relatable anecdotes keep readers engaged and inspired to take control of their finances. Since implementing the principles from "The Total Money Makeover," I've experienced a newfound sense of financial security and confidence. The book's impact goes beyond just the numbers – it transforms mindsets and empowers individuals to make lasting changes. If you're ready to take charge of your financial future and embark on a journey to financial freedom, "The Total Money Makeover: Classic Edition" is an absolute must-read. It's a five-star guide that has the potential to change your life and put you on the path to financial success.

This book is for people who need a change in their lives financially. Some examples of people who could really use this book are people who have student debt, people coming out of college and not knowing how they are going to tackle their mountain of debt, or people who have mountains of credit card debt and are living paycheck to paycheck. There are plenty of reasons people could come across this book and it all comes down to that having debt in your lie is something that you do not want. Everyone wants to be out of debt and do not know where to start, this book will give you the "how to". The Total Money Makeover book will expose your poor spending habits you have and is a guide to bringing your financial life to a stable state. Dave Ramsey writes this book in a way that everyone can relate whether you are a college student or an adult. The concepts that this book tackles from where you want to be with money to showing you how you can handle your money wisely and pay your bills every month. This book could change your future and is worth every penny you spend on it. This book can scare you at first, but once you get past the first couple of chapters your worries go away and gets you excited for the future you could have when you are debt free. The product itself is very durable and if you are not ready for what is inside it or do not have time to read it, you have time to put it on the shelf and not worry about the product getting damaged. This is a very easy to read book, but you will want to read it over a few times to make sure you get all the concepts down in the book. Taking notes would help as well. As Dave Ramsey will say, "It will not work if you are not all in on this journey." This is a journey that you could take on for 6 months or years depending on your situation. Dave Ramsey brings out sayings from the bible in it, but that does not mean that you must be Christian to follow the principles that he presents. This guide can work for everyone if they stick to it and decide you are sick of being at the bottom of the mountain and looking at the debt. You can do this, you just need to get this book and believe that you can do it. The community that surrounds this book and Dave's books are supportive and there is proof with millions of people who have done what he preaches and have gotten debt free. This shows that you can do it too and get your financial life in order too!

Great book, with great advice. I read it already, and bought this as a gift for someone else. Actually, this is the third time I have bought it as a gift for someone. This is simple, common sense information to get out of debt, and to stay out of debt, so you can enjoy your money. If you are struggling, or if you are just trying to save some money, this is a good book to read. It's also a good book for a young couple just starting out, or for someone just graduating high school. This book is good for anyone. Wholesome with a plan to help you! Who wants to be in debt?!! No one! I highly recommend the book!

My husband and I live paycheck to paycheck and often times reading books on finances is simply depressing because there is no way to start when there is not a lot of extra money to use. This book is different from many in that it gives you the details you need in order to stop living paycheck to paycheck and begin saving. It doesn't sugar-coat the fact that you are not going to "get rich quick". Dave Ramsey is clear when he tells you that making over your finances takes hard work, diligence, and loads of sacrifice. However, the payoff is worth it. I liked this book a great deal because it motivated me to pay more attention to our financial situation. As a couple in their 30s with no retirement savings, my husband and I are in that worrisome stage where we wonder if we will have to work until we die. This book calmed us down a bit. Dave gives a clear outline of the things that need to happen in order to begin the process. The first step is to admit to yourself that you are not in great shape. Just because we have good credit doesn't mean that we are in good shape financially. So we manage to make minimum payments on time. That doesn't really matter because we are still giving all of our money away! I like the idea of first saving $1,000 for emergencies, then moving on to the bills. Although sometimes I thought to myself, $1,000 isn't enough of an emergency stash in this day and age. The rest of the book tells of how to snowball, invest for college and retirement, and finally enjoy the money you saved. As much as I enjoyed this book, it is not without its flaws. First, Dave is a big advocate for mutual funds but never really explains what they are, how they work, or why its safer than other investments. He does dabble a bit on the fact that it is the greatest return on investment, but to the person who has no prior experience in investing, a little explanation would have been great. Second, beginning the envelope system proved to be a bigger challenge than I had expected. When nearly everything comes directly out of my account, paying bills with cash is a big hassle. I did arrange all of my envelopes but there was never money left after paying our bills to put in the envelopes so mostly they just served as a reminder that we need to put money aside for each thing. In all, I really think the book is helpful, especially to people who have not ever tried to change their money habits or those who use credit cards as income. Give it a read, you might find something helpful like I did!

This is a great book to read and follow the steps to better managing your finances and moving towards debt freedom. I recommend this book to a few of my family members.

Dave Ramsey's 'The Total Money Makeover' is a financial game-changer. This book doesn't just provide advice; it offers a step-by-step guide to transforming your financial life. Clear Action Steps: Ramsey's approach is practical and actionable. The book lays out specific steps to tackle debt, build an emergency fund, and invest wisely, providing a roadmap to financial success. Motivational Tone: The author's motivational and straightforward style keeps you engaged. It's not just about financial advice; it's about changing your mindset and taking control of your financial destiny. Proven Strategies: The strategies outlined in the book are tried and true. Many readers, including myself, have seen tangible results by implementing Ramsey's principles into their financial lives. Accessible for All: Whether you're a financial novice or someone with some knowledge, the book caters to all levels. The language is clear, and concepts are explained in a way that makes financial management accessible for everyone. 'The Total Money Makeover' is a must-read for anyone looking to gain control of their finances. Ramsey's approach is not just about managing money; it's about transforming your financial future.

O programa do Dave Ramsey é excelente e o livro pode ser lido de uma vez ou aos poucos conforme você avança nas suas finanças.

I was looking for a book that gives practical guidance on personal finance and investment. This book spends a lot of the chapters talking about changing your mindset of debt, why debt is not good, how to get rid of debt, a big part of the book is about getting rid of debt.. It has sensible strategies for dealing with debts if you're drowned by it. But if the only debt you have is your mortgage for example, this book is completely useless. It's also very US-centric, filled with anecdotes and stories to fill out the content of the book. The practical advice/ method themselves are minimal

Great book!

De eso va el libro. De darse cuenta de que solamente es uno el culpable de su vida. Y que por muy mala que esté la vida, la persona puede siempre rehacerse cambiando los vicios personales y los hábitos de consumo. Pero eso duele y es difícil, claro. El premio está en vivir libre de deudas y preocupaciones. ¿A quién no le interesa conseguir esto? Saludos

This is a life changing book for those who have trying to get their personal finances in order for many years and not understanding what was wrong. Having lived most of my life in the USA and now living in Sweden I can see how much of this is catered to those whom are culturally and economically taught to manage their money in America. Though a very great book for personal finance anyway and you can definitly apply these principles elsewhere and get along fine. Recommended and easy to read and understand.