The Total Money Makeover (Abridged)
by Dave Ramsey
Open iTunes to Buy
The success stories speak for themselves in this audio 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.
Ramsey to go, yay!
So, here you are debating wether or not to buy this audiobook. You've heard this Ramsey guy knows his stuff, but the reviewers complain that he's preaching Jeebus at you. What do you make of it? Let me tell you.
My wife used to drag me, kicking and screaming, to the kitchen table so we could discuss the dreaded F-word... Finances. She couldn't get me to open up and I refused to talk about money. One day she showed me a documentary called Maxed Out that opened my eyes. I realized I was spiralling out of control and was headed to the poor house. There it was. I had fought half the battle and realized I needed to change. But what do I do? Where do I start? I have bad credit. I was young and dumb and had wound up in $20,000 in debt.
That's where Dave Ramsey comes in. Maxed Out had featured Dave for a few minutes and he left an impression on me. He had a plan. It was simple. It made sense. It was easy enough for me to understand, and it was good enough to get me to change my ways. My wife and I had a long, but productive talk about how to get ourselves financially fit and change our family tree.
We bought the Total Money Makeover, and we used the baby steps and the smart money principles that Ramsey teaches and today, we're out of credit card debt, we're about to pay off my car, and we are making smart decisions that will allow us to be prosperous and wealthy.
And as a bonus, we never fight at the kitchen table anymore.
The Bottom Line:
Dave Ramsey's Total Money Makeover is financial freedom and security in a simple, and easy to understand format.
Great financial advice
To those who are "offended" that Dave Ramsey talks about God and (gasp) Jesus in his book; you should know that as a Christian he Can Not deny that the information he gives it totally biblical-and Christian based. And to reject his book and ideas for only this reason is simply foolish. Our society says "Be tolerant of everything..." and yet by saying that and NOT being tolerant of Christanity is total hypocrosy. Dave Ramsey's total money make over it great financial advice for the Christian Believer or non...just remember to be tolerant...always.
Ignore the religion, you're in trouble, this will help
For those offended by religion, Can't you just get by it? Its what makes Dave what he is. It gives him strength and inspiration. And it doesn't hurt you a bit. The following quote can apply to a lot of beliefs, spiritual or secular. "Stand for something or fall for anything." I think Dave takes his faith and it gives him strength, purpose and resolve. We can all use that wherever we find it. Now for the advice, if you follow it, you will start to see improvements anywhere from immediately to a few short months. It works. And most importantly, it gives you a plan that is proven to work. And that is half the battle, knowing you will succeed if you try this. I wish I could find a diet with the same results as Dave's advice. I'd listen to Buddha if that would work :)