Total Money Makeover, The

I had listened to this audio book and loved the information ot gave. But I could never get my husband on board until I played the book when we were diving on a long trip. He became enthusiastic about it. I created a monster! He now has to keep me in check and on program, lol. Our finances have become amazing using this program.

Dave Ramsey was recommended to me by many people. This is not a scam or a get rich quick. This is good and dirty hard work. The concepts are easy to follow. Quality if the audio is amazing, and Dave reads it himself. He's got a great personality, and anyone listening will be hooked, I promise. This audiobook is a total life changer!

I wanted to share how much The Total Money Makeover has impacted my life. Back in 2011, I came across the book through a family vlog on YouTube called the Shaytards (Shay Carl's family). Shay mentioned how this book had changed his perspective and life, so I decided to give it a try. I purchased the book and CDs, listened to them, and started implementing the principles. By 2013, I was able to buy my house with a 70% down payment. In December 2018, I paid off the mortgage completely, becoming 100% debt-free. I haven’t used a credit card since 2012 and have focused on building my financial future. While running my gas station business, I started investing, and now, as of December 2024, I’ve built a $3 million portfolio in stocks and crypto. Thank you, Dave, for writing this book and sharing such a life-changing message. It truly transformed my financial journey!

This was fairly straightforward and useful information. The ideas and suggestions are helpful and the snowball effect has helped reduce and eliminate debt. I sent a copy to my son and share my copy with anyone who needs help.

Really 4.5 stars. I enjoyed (cd book) listening to this emensely. It is good concrete back up for what I am already doing. I am on a budget program right now. I've read several places that to really truly get as much out of something as you can, you need to read it at least 5 times and you are better off reading 7 times to get the full effect. I've heard it 3 times and referred it to friends. I highly recommend this book if you even think you need it...and, if you owe money to anybody, you need to read it-even if you think you have your act together. The only slow part of the book to me was the first few chapters. I felt like the author was trying to "sell" me on his technique. I felt like I was already trapped in some "paid programming" tv show but I guess he felt like he needed to justify his plan to people that need it. Because, most people in debt problems are usually in denial about it. Overall, I really understood the point driven home about paying one thing off at a time and then taking that paid off debt monthly payment and putting it toward the next debt. I was referred to this book by a friend of mine who had gone bankrupt and owed his parents 150k. He paid them back, has an awesome farm and runs his own business some 12 years later and is totally debt free. He pays cash for everything...EVERYTHING. That concept seems far away but it is a definite goal for me and because of this book, I have a plan to get there.

Great book, easy plan to be debt free and on your way to financial freedom. Easy to listen to in the car and even in the voice of Dave Ramsey. Highly recommend.

Dave Ramsey financial plan truly works, If you follow it to a tee it will change your life. All of the people I’ve talked to that “disagree” with Dave Ramsey either don’t really know what he teaches, they don’t know what the Bible teaches, and/or they don’t really know finance. You don’t have to have a credit card to get a hotel, rent a car or buy a house. You can get a great APR mortgage with a 0 credit score and 20% down( Speaking all from personal experience) Dave is not anti mortgage. If your broke friends think Dave really has bad advice on a particular subject research what he says about yourself and see if he really has it wrong. So far I’ve found nothing he says that when I did the research I found him wrong. Changed my family’s life and set us up to build wealth

Returned this with no problem.

An interesting cd and information useful. Non-US citizens may find some of the info does not apply to them.

Read the book and listened to this at least 6 times already yet grasp a different truth better each time! Sure wish we were taught these things while growing up instead of 30 years into marriage. The church is wrong to not agree with his concepts. His catchphrase should be: live like NO ONE else so you can LIVE like no one else!

Good book, some content still fine some outdated

He had some bad setback in the past and settled for some idiotic principles of never going into any debts. First not going into debts wont ever make you rich. True consumer debts can be bad, but the entire modern economy is based on investment, which is based on savings, which is based on decent interest rates, i.e. it's all based on debts!! Without borrowing = debts, nothing can be done, we're just back into the middle ages, hunting and fishing to survive the day!!

This book is a life saver. Very common sense approach, but not the norm in society today. The audiobook is convenient to listen in the car as we drive to stores, and keeps us in check. We really enjoy the app he recommends for budgeting to "every dollar". I recommend this book to everyone if you are in debt, or even if you just want to keep more of your money in your pocket.