The Total Money Makeover: A Proven Plan for Financial Fitness 
Product Details
- Hardcover: 288 pages
- Publisher: Thomas Nelson; 3 edition (December 29, 2009)
- Language: English
- ISBN-10: 159555078X
- ISBN-13: 978-1595550781
Product Dimensions:
7.5 x 1 x 9.6 inches
- Shipping Weight: 1.4 pounds (View shipping rates and policies)
- Average Customer Review:4.5 out of 5 stars style="margin-left:-3px">See all reviews (787 customer reviews)
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.
--This text refers to an out of print or unavailable edition of this title.Customer Reviews
4.5 out of 5 stars(787)4.5 out of 5 stars5 star5734 star1193 star482 star231 star24
See all 787 customer reviews
“If you follow what Dave Ramsey teaches in this book, it will change your financial life! ”“This is a great book with a lot of good information. ”“We read this book after listening to Dave Ramsey on the radio. ”Most Helpful Customer Reviews398 of 419 people found the following review helpful5.0 out of 5 starsDave Ramsey Will Help You Become Financially FitFebruary 28, 2004By FaithfulReader.comFormat:Hardcover
I enjoy discussions about my finances about as much as I enjoy talking about my weight. I certainly need to work on both, but I'd prefer to avoid the topics if at all possible, thank you very much. Can I get an "amen"?Dave Ramsey, radio talk show host, author and all-around financial guru, is no stranger to this ostrich routine. After his own bankruptcy he came to the conclusion that the key to financial (and physical) fitness isn't knowing all the tricks of the money trade; it's being honest with yourself. "If I can control the guy in the mirror, I can be skinny and rich," he says in his new book THE TOTAL MONEY MAKEOVER.
In other words, you have to get your head out of the sand. Okay, I have to get my head out of the sand.
Leaving the skinny to other books, Ramsey is a prophet to those who want to be rich but would settle for being financially stable. It's clear that this is a large group, given the popularity of Ramsey's radio show and books. After reading THE TOTAL MONEY MAKEOVER, I can see why they flock to him for advice.
Ramsey's principles are simple and straightforward. Pay cash. Pay off debts from smallest to largest. Create an emergency fund. He provides easy-to-understand answers to many seemingly complex questions about budgeting, retirement funds, saving for college education, and more.
Large pullout quotes scattered throughout the book offer bite-sized financial advice and factoids in Ramsey's typically direct manner:
"A new $28,000 car will lose about $17,000 of value in the first four years you own it. To get the same result, you could toss a $100 bill out the window once a week during your commute."
"Looking to spend $100 per month on life insurance? You could pay $7 a month toward term insurance and invest the remaining $93. But go with a cash-value policy if you'd rather have someone else earn interest on your investments."
"49% of Americans could cover less than one months' expenses if they lost their income."
"If your mortgage payment is $900 and the interest portion is $830, you will pay that year around $10,000 in interest. What a great tax deduction! Right? Otherwise, you'd pay $3,000 in taxes on that $10,000. But who in their right mind would chose to trade $10,000 for $3,000?"
All of this advice is helpful and eye opening, but what Ramsey really excels at is presenting inspirational tales of those who were once, but are no longer, in financial disarray. Their stories make up at least a third of the book, and the cumulative effect is that of a published pep rally designed to get people pumped up about saving money. And it works.
This is a must-read book for anyone whose looking for a little basic financial information and a whole lot of courage to finally put away the ostrich suit.
--- Reviewed by Lisa Ann Cockrel
A singular of a typical products have been todays adorn the day - your day . The Total Money Makeover: A Proven Plan for Financial Fitness is definitely one product this is not a lot of . The process of market place demand that much, it definitely will create The Total Money Makeover: A Proven Plan for Financial Fitness will quickly sold out. The Total Money Makeover: A Proven Plan for Financial Fitness The Total Money Makeover: A Proven Plan for Financial Fitness I extremely can't help but recommend , and some competitors too can't help but recommend .
Available now at cheap price, special discounts and fast shipping. I am quite satisfied with their qualities and highly recommend it to all people wanting for a high quality product with the latest specifications at an affordable. You can read review from buyers to find out more through their experience. The Total Money Makeover: A Proven Plan for Financial Fitness has worked beneficial for me and I wish it will do wonders on you too. Why then spend much more time? Enjoy yourself, you understand where to purchase the best ones.
Some of the customer reviews speak that the The Total Money Makeover: A Proven Plan for Financial Fitness are splendid luggage. Also, It Is a pretty well product for the price. It’s great for colony on a tight budget. We’ve found pros and cons on this type of product. But overall, It’s a supreme product and we are well recommend it! When you however want to know more details on this product, so read the reports of those who have already used it.
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- Hardcover: 288 pages
- Publisher: Thomas Nelson; 3 edition (December 29, 2009)
- Language: English
- ISBN-10: 159555078X
- ISBN-13: 978-1595550781
Product Dimensions:
7.5 x 1 x 9.6 inches
- Shipping Weight: 1.4 pounds (View shipping rates and policies)
- Average Customer Review:4.5 out of 5 stars style="margin-left:-3px">See all reviews (787 customer reviews)
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.
--This text refers to an out of print or unavailable edition of this title.
Customer Reviews
See all 787 customer reviews
I enjoy discussions about my finances about as much as I enjoy talking about my weight. I certainly need to work on both, but I'd prefer to avoid the topics if at all possible, thank you very much. Can I get an "amen"?
Dave Ramsey, radio talk show host, author and all-around financial guru, is no stranger to this ostrich routine. After his own bankruptcy he came to the conclusion that the key to financial (and physical) fitness isn't knowing all the tricks of the money trade; it's being honest with yourself. "If I can control the guy in the mirror, I can be skinny and rich," he says in his new book THE TOTAL MONEY MAKEOVER.
In other words, you have to get your head out of the sand. Okay, I have to get my head out of the sand.
Leaving the skinny to other books, Ramsey is a prophet to those who want to be rich but would settle for being financially stable. It's clear that this is a large group, given the popularity of Ramsey's radio show and books. After reading THE TOTAL MONEY MAKEOVER, I can see why they flock to him for advice.
Ramsey's principles are simple and straightforward. Pay cash. Pay off debts from smallest to largest. Create an emergency fund. He provides easy-to-understand answers to many seemingly complex questions about budgeting, retirement funds, saving for college education, and more.
Large pullout quotes scattered throughout the book offer bite-sized financial advice and factoids in Ramsey's typically direct manner:
"A new $28,000 car will lose about $17,000 of value in the first four years you own it. To get the same result, you could toss a $100 bill out the window once a week during your commute."
"Looking to spend $100 per month on life insurance? You could pay $7 a month toward term insurance and invest the remaining $93. But go with a cash-value policy if you'd rather have someone else earn interest on your investments."
"49% of Americans could cover less than one months' expenses if they lost their income."
"If your mortgage payment is $900 and the interest portion is $830, you will pay that year around $10,000 in interest. What a great tax deduction! Right? Otherwise, you'd pay $3,000 in taxes on that $10,000. But who in their right mind would chose to trade $10,000 for $3,000?"
All of this advice is helpful and eye opening, but what Ramsey really excels at is presenting inspirational tales of those who were once, but are no longer, in financial disarray. Their stories make up at least a third of the book, and the cumulative effect is that of a published pep rally designed to get people pumped up about saving money. And it works.
This is a must-read book for anyone whose looking for a little basic financial information and a whole lot of courage to finally put away the ostrich suit.
--- Reviewed by Lisa Ann Cockrel
A singular of a typical products have been todays adorn the day - your day . The Total Money Makeover: A Proven Plan for Financial Fitness is definitely one product this is not a lot of . The process of market place demand that much, it definitely will create The Total Money Makeover: A Proven Plan for Financial Fitness will quickly sold out. The Total Money Makeover: A Proven Plan for Financial Fitness The Total Money Makeover: A Proven Plan for Financial Fitness I extremely can't help but recommend , and some competitors too can't help but recommend .
Available now at cheap price, special discounts and fast shipping. I am quite satisfied with their qualities and highly recommend it to all people wanting for a high quality product with the latest specifications at an affordable. You can read review from buyers to find out more through their experience. The Total Money Makeover: A Proven Plan for Financial Fitness has worked beneficial for me and I wish it will do wonders on you too. Why then spend much more time? Enjoy yourself, you understand where to purchase the best ones.
Some of the customer reviews speak that the The Total Money Makeover: A Proven Plan for Financial Fitness are splendid luggage. Also, It Is a pretty well product for the price. It’s great for colony on a tight budget. We’ve found pros and cons on this type of product. But overall, It’s a supreme product and we are well recommend it! When you however want to know more details on this product, so read the reports of those who have already used it.
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