Summaries and Customer Reviews are supplied by Amazon.com

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.

Average Customer Rating:

Finally the answer! - Simplistically!	Customer Rating:
This is a great book on financial fitness for those struggling in the money area - but also emcompasses some great ideas for those of us who thought we were relatively fiscally fit and smart about money. Everyone will learn something - Great read - great book - apply the principals and we won't have the economic issues we have in the US today!

A Top-Notch Book for People Serious About Money

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Where do I begin? So many people have written stellar reviews for this book; mine will be just my experience in reading and living the book. I used to be terrible with money. I would spend every paycheck, living and anticipating for the next one. I had many, many things, most of which are now sold. It's a nasty habit, spending money you don't really have. I got huge into credit card debt (not too huge, though). Even buying such frivolous things as a Starbucks beverage or music CD became the norm for me. Until I lost my job. After undergraduate school, I was out of a job for three months. During that time a friend loaned me this book, and it was a good thing because I had been wanting to read it for quite some time. Once I started applying Ramsey's methods after the 2nd chapter, I already noticed a change. After I was hired at my current job, I started to see each paycheck as a step in Ramsey's direction; each check was a part of the Baby Steps, and each step was towards wealth. I'm only three months into Ramsey's methods, but already I feel the change of habit. I no longer find interest in things I used to buy, and I only pay for things I can afford in cash. Like Ramsey said, it's not about head knowledge (though it could help), but a change in character. This book is recommended to anyone wanting to break free from constantly being in debt. As a person living out the beginning of his wealthy life, I will honestly say it's tough, but I know it's going to be worth it. It already is.

Financial Fitness Program, Not a Scheme

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This book is not a "get rich quick" scheme. It is a "financial fitness" program meaning that it will take time. In fact, this book outlines a life style that will help you trim fat (dept) and eat healthy (sound financial advise). This book has much of the same adivse that your grandmother would give, except that it has steps called "baby steps" which help make advice become a reality. This book is a realistic approach to avoiding dept and building wealth. This book promotes setting a clear goal, sacrafice, giving, and staying on path. If you follow this path it will not be easy, but it will be worth it. This book is hardly boring and contains real-life success stories. Everyone should read this book because Dave Ramsey really believes in helping others. And instead of just giving all his money away, he gives advise so that you can manage and build your own wealth and in return, pass it on.

A Financial Guide that applies to everyone

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"The Total Money Makeover" gives specific set plans on how to build wealth by getting out of debt first. The book teaches to set a budget and stick with it. By doing this, you can see how your money can work for you in a snowball effect. It is just a common sense plan to live on less than what you make. The book includes forms to help you do just that. While I was already doing a lot of the things mentioned in the book, it confirmed the path I was on was the right one. I found it to be very helpful. If followed, the practical guides and advice throughout this book can truly put you on the path to financial freedom.

Dave Ramsey is THE MAN	Customer Rating:
Dave Ramsey's book taught me all the essentials of Life With Money. Now I understand what my Dad was trying to tell me all these years! I regard this book as totally essential for everyone. -- thanks, David Small