Total Money Makeover Updated and Expanded

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!

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!

Excellent book. I purchased it for a family member, and it remains just as relevant today.

I loved this book, helped my life. Now I give it as wedding gifts to help others' lives

Excellent book with great advice

There are many benefits to this book. Unlike many others like it, it does not tell you what to do with your money—instead, it teaches you how to manage money for yourself. The actual “makeover” thus involves remaking your view of money so that you permanently change how you deal with it. What I think Total Money Makeover does best is that it actually encourages and inspires you while teaching, so that you actually want to follow the plan. How does it do this? By first debunking dangerous money myths (there are many that masquerade as “truths”) and then guiding you step-by-step on how you move from financial illness to financial health. As the author himself says, these strategies are neither new nor are they hidden secrets; they are time-tested principles delivered with enough punch to start a fire and get you moving. TMM lifts the veil on many modern financial lies. It exposes that many vehicles are actually designed to keep you poor although they are championed as “good financial sense.” Ramsey repeatedly proclaims that debt is not good but toxic; your FICO score actually is an “I Love Debt” score, and that consumer confidence is actually a thing economists use to estimate how much you will overspend. Ramsey also makes it clear from the start that his book is not a get rich quick scheme but a build wealth slowly blueprint. In fact, he states that for the average person to reach the seventh “baby step” it takes seven years on average. There are a few negative things to say about the book. First, there is a lot of “fluff” meaning endless side stories, testimonials, and “this is what happened to Bob and Jen.” I dare say the book would be 75 pages shorter without them. Second, it would also be nice to have proper footnotes and citations so that the curious mind can investigate the sources being quoted. So when Dave says thinks like, “I have done in-depth, detailed research,” (pg. 171) but then does not cite that research, it raises suspicions immediately. I treat patients with poor physical health all the time. Would I recommend this book to anyone who is financially sick? Absolutely. I recommend any book that tells the truth, tells it like it is, actually wants to see people do better, and shows them how.

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.

It’s a very good book. I’ve earlier seen Dave Ramsey’s videos on his YouTube channel that’s the reason I bought this book. Everything is explained in a simple and systematic manner. I think everyone should read this book. Totally recommend it.

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