The Total Money Makeover: A Proven Plan for Financial Fitness
By Dave Ramsey
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Product Description
The success stories speak for themselves in this 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.
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Product Details
Amazon Sales Rank: #177 in Books
Published on: 2007-02-06
Released on: 2007-02-06
Number of items: 1
Binding: Hardcover
272 pages
Editorial Reviews
From Publishers Weekly Radio talk-show host and bestselling author Ramsey (Financial Peace) is less a financial analyst and more of a preacher, which explains both his popularity and the appeal of this book, which just might gain a wide audience. The bedrock of his system is simple: work hard, pay what you owe and stay out of debt. His main commandment is "Pay cash." He first exhorts the reader to take "baby steps," which are designed to build on each other: first, save $1,000 as an emergency fund; then, pay off all debts from smallest to largest; save a larger three-to-six-month emergency fund; finally, start to save for college and pay off your home mortgage. Ramsey understands the difficulty in putting these steps into action, and therefore packs his book with personal testimonials from everyday people who have used his system and have become debt free, with obvious struggles. The key is what Ramsey calls "Gazelle intensity," which is to live a financial life the way a gazelle saves itself from an attacking cheetah-"outmaneuver the enemy and run for your life." While Ramsey provides some helpful charts and graphs so readers can keep track of their efforts to follow his steps, the strength of this book is that it is a straightforward motivational tool. He provides the brutally direct truth about the hard work it takes to become free of debt, and his directness is a great part of the book's charm.Copyright 2003 Reed Business Information, Inc.
From Booklist "Winning at money is 80 percent behavior and 20 percent head knowledge." So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. Our current financial position represents the sum total of the decisions we've made to this point, he tells us, and we must take personal responsibility for our financial problems. His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses. He effectively shows how regular people can rid themselves of debt and grow their wealth using current income. While many of Ramsey's concepts are not new, his simple approach and client testimonials will resonate with a broad range of library patrons. This is important information in a society buried in debt, with unprecedented numbers of people facing bankruptcy. Mary WhaleyCopyright © American Library Association. All rights reserved
Customer Reviews
SHOW YOUR MONEY WHERE TO GO
This book is an eye opener for all of us in denial about our finances. You have to stay on a budget and not overspend -- that's not rocket science, but not many of us do it. Dave dispels the myths about money and he is right on target. Debt is dumb; cash is king!
WARNING
Warning: Only read this book if you're tired of the "normal" everyday cycle of being in debt - being slave to your lenders. Whether it's credit cards, student loans, car loans, mortgages, etc. Dave Ramsey lays out a plan to break the cycle, change your family tree so your children don't think living paycheck to paycheck and owing huge amounts of debts is normal. As Dave puts it, if that's normal then "be weird." Get out of debt and live in TRUE Financial Peace - IT WILL CHANGE YOUR FAMILY TREE! It works, I've done it and so can you!
A MUST READ!!!!!
THIS BOOK IS ONE OF MY FAVORITES IF NOT THE BEST IN MY LIBRARY! ITS AN EASY READ AND FLOWS SO WELL. I HAVE FOLLOWED THE STEPS AND THEY WORK! HAS A LOT OF HUMOR AND INSPIRATION WHICH IS RARE IN ONE BOOK. THIS BOOK IS WORTH FAR MORE THAN ITS COST! YOU WILL WISH YOU READ IT YEARS AGO.
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