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Description

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress, and debt. And that's a beautiful feeling.

©2003 Dave Ramsey (P)2003 Thomas Nelson Publishers

Ce que les critiques en disent

"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." (Publishers Weekly)

Ce que les auditeurs disent de The Total Money Makeover

Moyenne des évaluations de clients
Au global
  • 4.5 out of 5 stars
  • 5 étoiles
    605
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Performance
  • 4.5 out of 5 stars
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    31
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Histoire
  • 4.5 out of 5 stars
  • 5 étoiles
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    28
  • 2 étoiles
    11
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Évaluations – Cliquez sur les onglets pour changer la source des évaluations.

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  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Buy the BOOK!

I never have time for reading so I ended up buying this book on audio. The problem with this is that it does not come with a PDF of the extra pages. It is a REALLY GOOD LISTEN, and has fantastic advice! But I ended up buying the book as well so I could have the extra pages that you don't get when listening to this book. May I suggest to the audio team to add a pdf to this download? Please?

19 les gens ont trouvé cela utile

  • Au global
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Histoire
    5 out of 5 stars

Great content but Ramsay is a TERRIBLE reader.

Ramsay yells in ALL CAPS at all times. What he has to say is worth listening to, but you have to suffer through being yelled at relentlessly. Wish he would hire a professional reader.

11 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Changed my life

First read book 3 years ago. Eversince i have paid off car and credit cards worth 60K ... After also emegency funds savings and investing i will be paying off my mortgage in 4 years.

8 les gens ont trouvé cela utile

  • Au global
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Histoire
    1 out of 5 stars

Horrible book and bad advice

My mind is blown away how this book has such good reviews and people consider this a "must read". It is not. This book is written for someone that is financially irresponsible and cannot handle their spending, not for someone trying to become financially literate. This book will not make you rich and it will not make you retire earlier. This book is summarized by 2 main points: 1) ALL debt is bad. Get out of debt and STAY out of debt (WRONG) 2) Be frugal, especially early in life, like owning a $4000 car instead of a $20,000 car. (fair point, but common sense!!!) Okay, so here are some of the dumb things this person says in this book which are a bunch of BS: - Pay off smallest debts before larger debts, regardless of interest rates (doesn't make financial sense). - Never use credit cards, lines of credit, etc. (very subjective to reason and not correct) - Never go into debt except for a mortgage (also very stupid if you plan to ever retire rich without a high paying job) - Claims that successful businesses like Microsoft don't use debt (completely false, every major corporation utilizes debt to grow profits and equity) - Consolidating debt is always bad and only has "cons" (consolidation is common in the corporate world and is only a tool to reduce interest rates on debts, but apparently ALL debts are bad, according to this idiot). This man speaks from a view of once being bankrupt and scared to ever go into debt. His interpretation of financial literacy is really about financial responsibility (not overspending on objects like cars, gadgets, and clothes). This book might give you perspective to spend less and be more financially responsible, but this isn't a "money makeover" and it certainly won't help you get rich one day or help you retire. This book also has religious references and ridiculous, juvenile voice impressions that don't add any value to the points he is trying to make. This book is TERRIBLE. DON'T BUY IT. Wish I could get a refund for this radio host's opinion. Some books that are MUCH more valuable reads are: Rich Dad, Poor Dad by Robert Kiyosaki, 4-Hour work week by Timothy Ferris, The Millionaire Next Door by Thomas J. Stanley, Learn to Earn by Peter Lynch, and The Compound Effect by Darren Hardy. Those 4 books are fantastic reads for beginners aiming for financial freedom and early retirement.

4 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Great! funny! and brutally honest

I love dave. he is very brutally honest but not in an offensive way. makes total sense and easy to follow plan. I'm excited to get started on my money makeover. I've done it for years paying of debt. then life happens and end up back where I started

4 les gens ont trouvé cela utile

  • Au global
    4 out of 5 stars
  • Performance
    4 out of 5 stars
  • Histoire
    5 out of 5 stars

Realistic

- This is very practical and the author doesn't over due talking about himself. - if this was mandatory in 1st year university is plant seeds of the concepts. - Recommend this to teenagers and young adults. - 20 years ago this would've helped +++ - Still very applicable although I'm in later adulthood - a workbook to get through the steps is my next move, because I keep falling back into bad habits

3 les gens ont trouvé cela utile

  • Au global
    2 out of 5 stars
  • Performance
    2 out of 5 stars
  • Histoire
    2 out of 5 stars

Childish yelling

Very childish oration. People don't need to be yelled at. Thought it would be a good book to confirm habits and maybe learn some tweaks. I don’t respond well to loud people trying to belittle others.

2 les gens ont trouvé cela utile

  • Au global
    2 out of 5 stars
  • Performance
    3 out of 5 stars
  • Histoire
    3 out of 5 stars

Not sure

Not sure what all the hype/review for this book, I am sad I purchased it

1 personne a trouvé cela utile

  • Au global
    4 out of 5 stars

lifestyle challenge

if you want to live a life that impacts others be sure to read. Hopefully I can implement the plan

1 personne a trouvé cela utile

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Great teaching, highly recommended.

I wish I could have received these teachings 30 years ago. But I thank God I got them now.

1 personne a trouvé cela utile

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  • Au global
    1 out of 5 stars
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    1 out of 5 stars
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    1 out of 5 stars
  • Sekiyi
  • 2018-03-08

Pas complet

Pour des raisons que j’ignore ce livre est la version super allégée du livre u même titre.

2 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Myriam TOLA
  • 2020-01-23

great book

I loved it!! i learnt a lot and it is really motivational!!! I recommend it!

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • jina
  • 2018-05-26

Excellent

Excellent livre.Je recommande à toute personne qui souhaite sortir des problèmes financiers. vous ne regretterez pas votre achat.

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Jalil H.
  • 2018-05-07

Helps clearing/ understanding money problems

Helps clearing/ understanding money problems You should give it a read . Dave is good guy ! You can trust him (15 words done )

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • dyanna7
  • 2017-09-15

Très bon livre

Narré par Dave lui même ! Excellent guide sur comment gérer une vie financière, quoi faire avec l'argent et comment vivre une vie financière en paix !

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  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Alexandra
  • 2014-02-11

This guy makes sense

I have business degrees from Wharton (BS) and Stanford (MBA), but like most Americans from middle class backgrounds, I never got much training in personal finance and always felt bewildered by it. I recently listed to The Total Money Makeover for the third time and it clicked. The first two times, I was still in school and had no income, so felt powerless to act on its lessons. Now, with a steady income (and some monstrous student loans) the lessons are relevant, actionable, and empowering.

Before, I always felt at a loss when it came to budgeting. After re-listening to The Total Money Makeover, I got a second savings account to hold my emergency fund and long-term savings, making it easier to separate between current accounts and short-term savings. Now, I have an Excel spreadsheet with a separate column for each upcoming pay check. I know how much of each paycheck will get immediately transferred into long-term savings (e.g. for a wedding in the fall), how much will go to short-term savings (e.g. for next month's rent), and how much disposable income I have in my current checking account.

Furthermore, I have a better plan for paying down my debts. If I were to approach this according to the pure net present value financial principles taught in school, I would start with my big student loan (highest interest rate), then my smaller student loan, then my car loan (lowest interest rate). After listening to Ramsey, I'm going to do it in the opposite order. Although that will cost me some in NPV, it means I can pay off my car loan in a few months (freeing up $250 per month in cash flow), and can pay off my smaller student loan in a few years. My larger student loan is the size and duration of a mortgage, and I'll treat it like it's one. If I tried to pay it off first, I wouldn't see any impact on my cash flow for probably 14 years, making it discouraging to try to find extra dollars to put towards paying down debt. Trying this the Ramsey way, I already feel like I'm making progress and am motivated to do more.

Dave Ramsey is an inspiring speaker. Although his message may come across as simple, in my opinion it does a far better job taking into account human nature than any of the sophisticated financial and economic models I spent so much money learning. I can't recommend this book enough.

451 les gens ont trouvé cela utile

  • Au global
    4 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    4 out of 5 stars
  • Nurse Rob
  • 2012-07-15

Short and Easy Steps

Where does The Total Money Makeover rank among all the audiobooks you’ve listened to so far?

I would give a B-. Gets to the point, gives good metaphors and easy to follow.

What was one of the most memorable moments of The Total Money Makeover?

Metaphors used to describe steps or missteps are very memorable and applicable to most people.

What about Dave Ramsey’s performance did you like?

Voice and diction were probably best compared to what I have listened. Would expect good performance from professional speaker. Have heard some "funny" start/stops or paragraph breaks on other books. Probably start of new session or after break. Did not hear in Ramsey's performance, however this book is shorter than most. 3+ hours

Did you have an extreme reaction to this book? Did it make you laugh or cry?

No crying, definitely a few laughs. Mostly found myself quoting excerpts to others.

Any additional comments?

Religious overtones and bible quotes throughout book. However quotes in nature of "Saving" money and neither borrowing or lending; giving money OK. People describe me as Agnostic and this did not bother me. All in all good book, great performance. Enjoy

137 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Bryan Hays
  • 2012-07-16

maybe the best self help book ever

Would you recommend this audiobook to a friend? If so, why?

I have. I am a financial advisor and every high school kid, anyone who wants to be out of debt, and anyone without 6 months savings should read this book. It teaches real money mangement.

What did you like best about this story?

The step by step process to financial stability.

What about Dave Ramsey’s performance did you like?

He is truly passionate about what he does and is a motivating leader. I do not always agree with him, but he is right when it comes to managing money.

Was this a book you wanted to listen to all in one sitting?

Yes.

Any additional comments?

this is a must read and top ten book of all time for me.

54 les gens ont trouvé cela utile

  • Au global
    3 out of 5 stars
  • S. Elias
  • 2010-09-06

Self development speech!

Listen, I wouldn't deny that Mr. Ramsey got a voice that will fire you up, move you, and make you want to jump on a rocket and fly to the moon. If you never read finance, studied finance, or haven't a clue on finance, then it is good to start with Dave Ramsey. I am your average business school graduate who agrees with Mr. Ramsey plan. If you are a finance savvy and need a more advance information regarding money and its use, then steer away and look for more advance books on finance and its affect on your life.

19 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Brannon
  • 2005-09-26

Nothing but OUTSTANDING!!

It has been less than a week sense my wife and I have listed to Dave's book and it has already changed our lives and how we look at our finances forever. Within these few days we have paid off almost $3,000 in debt with money that was "just laying around the house". We had no idea how good it would feel to break free from being a prisoner to some of that debt that we have been paying on for years. It is so liberating to finally take charge of our money and actually have a plan. We have listened and read many financial books in the past but NOTHING and I mean NOTHING has gotten us this excited. It has actually given us more hope than we have ever had about changing our financial future. My wife and I have even grown closer because we are working on our finances together as a team for the first time. Every day we get more and more fired up about "The Total Money Makeover". We will never look at money and debt the same way again. If you are reading this review trying to decide if you should buy this book, DO IT AND DON'T WAIT! This book is worth every penny and then some. If you are ready to take control of your life and ?live like no one else? get started right now.

32 les gens ont trouvé cela utile

  • Au global
    2 out of 5 stars
  • Performance
    3 out of 5 stars
  • Histoire
    2 out of 5 stars
  • Leala
  • 2017-04-02

Information available online

Total Money Makeover doesn't give any information that isn't already available on Ramsey's website. it just adds anecdotes about people succeeding with the method.

83 les gens ont trouvé cela utile

  • Au global
    4 out of 5 stars
  • CMC
  • 2009-05-23

Very good, wish it was available unabridged.

This book is for those who realize that there is no "magic" in getting on top of finances. It is very practical in its approach. I'm done with the books, theories, and thinking that suggest that there are quick fixes to wealth. God, and much less, "the Universe" will not save you from your financial woes. Only hard work, serious budgeting, and self-control will.

36 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Matthew
  • 2005-03-25

Brash? Yes. Honest? Absolutely.

Some people have remarked that they don't like the tone of this book. If the author seems a bit "brash", it's only because he's attempting to highlight the level of insanity with which most people approach personal finance. Take a look around you. The guy you work with who just bought a new Hummer. Your sisters' friend who just moved into a $800,000 home. They must be doing great, right? WRONG.

The truth is, they're most likely broke. They're high-income, low-net-worth people who are teetering on the edge of complete financial ruin. Rich people, don't do these things!! Well, that is unless they're really really rich.

This book will change the way you think about money. When I see the guy in the new Mercedes now, I think, "Man, that guy has nothing in the bank". This book will make you proud of your old jalopy. After all, it's better to ACTUALLY BE RICH.

Most Americans WISH for financial security and DO everything they can to make sure it NEVER happens. I think this is a level of insanity that warrants a brash tone.

If your ready to get real about your finances, this is the only book you need to read.

92 les gens ont trouvé cela utile

  • Au global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Wendi Gwaltney
  • 2012-04-23

Thank you

What made the experience of listening to The Total Money Makeover the most enjoyable?

I appreciate the insight offered in this book. The steps outlined are easy to understand. The scenarios offered were helpful.

14 les gens ont trouvé cela utile

  • Au global
    4 out of 5 stars
  • Performance
    3 out of 5 stars
  • Histoire
    3 out of 5 stars
  • avoidthelloyd
  • 2011-12-30

Very Motivational...

Even if you might not adhere to Dave's plan exactly, the idea of slavery to debt and freedom from it are very motivational. I feel like the examples he uses are real life people and he doesn't use terms or language that is reserved for finance professionals. It really is a good, practical plan for getting out of debt via hard work and perseverance. Even though his plan is not the best "mathematically", the point of getting some quick wins by paying off the lowest balance without regard to interest rate is a legitimate point. Honestly, you can hear most of the content of this book in his daily podcasts. I do recommend this book to people.

47 les gens ont trouvé cela utile