Free Ebook The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey
Well, when else will certainly you find this possibility to obtain this publication The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey soft file? This is your good possibility to be right here as well as get this excellent book The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey Never leave this book before downloading this soft data of The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey in web link that we provide. The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey will truly make a great deal to be your best friend in your lonely. It will certainly be the very best partner to improve your business as well as leisure activity.
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey
Free Ebook The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey
The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey. Reading makes you better. Who says? Many wise words say that by reading, your life will be much better. Do you believe it? Yeah, verify it. If you need the book The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey to check out to prove the smart words, you can visit this page perfectly. This is the site that will provide all guides that possibly you require. Are guide's collections that will make you really feel interested to review? One of them right here is the The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey that we will propose.
This book The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey deals you far better of life that could produce the high quality of the life brighter. This The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey is exactly what individuals now require. You are below and you may be precise as well as sure to obtain this book The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey Never ever doubt to get it even this is merely a publication. You could get this book The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey as one of your collections. Yet, not the compilation to present in your shelfs. This is a priceless book to be checking out compilation.
Just how is making certain that this The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey will not displayed in your bookshelves? This is a soft data publication The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey, so you could download The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey by buying to get the soft file. It will alleviate you to review it every time you need. When you really feel careless to relocate the printed publication from home to office to some place, this soft file will relieve you not to do that. Considering that you could just conserve the data in your computer unit and also gadget. So, it enables you read it anywhere you have desire to review The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey
Well, when else will certainly you find this prospect to get this publication The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey soft documents? This is your excellent possibility to be right here and also get this fantastic publication The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey Never leave this book prior to downloading this soft data of The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey in web link that we offer. The Total Money Makeover: Classic Edition: A Proven Plan For Financial Fitness, By Dave Ramsey will really make a great deal to be your best friend in your lonesome. It will certainly be the very best partner to improve your operation and leisure activity.
If you will live like no one else, later you can live like no one else.
Build up your money muscles with America’s favorite finance coach.
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: Classic Edition.
By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:
- Design a sure-fire plan for paying off all debt—meaning cars, houses, everything
- Recognize the 10 most dangerous money myths (these will kill you)
- Secure a big, fat nest egg for emergencies and retirement!
Includes new, expanded “Dave Rants” sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.
- Sales Rank: #189 in Books
- Brand: HarperCollins Christian Pub.
- Published on: 2013-09-17
- Released on: 2013-09-17
- Original language: English
- Number of items: 1
- Dimensions: 9.49" h x .98" w x 7.48" l, 1.70 pounds
- Binding: Hardcover
- 272 pages
Features
From Publishers Weekly
Radio talk-show host and bestselling author Ramsey (Financial Peace) is less a financial analyst and more of a preacher, which explains both his popularity and the appeal of this book, which just might gain a wide audience. The bedrock of his system is simple: work hard, pay what you owe and stay out of debt. His main commandment is "Pay cash." He first exhorts the reader to take "baby steps," which are designed to build on each other: first, save $1,000 as an emergency fund; then, pay off all debts from smallest to largest; save a larger three-to-six-month emergency fund; finally, start to save for college and pay off your home mortgage. Ramsey understands the difficulty in putting these steps into action, and therefore packs his book with personal testimonials from everyday people who have used his system and have become debt free, with obvious struggles. The key is what Ramsey calls "Gazelle intensity," which is to live a financial life the way a gazelle saves itself from an attacking cheetah-"outmaneuver the enemy and run for your life." While Ramsey provides some helpful charts and graphs so readers can keep track of their efforts to follow his steps, 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.
Copyright 2003 Reed Business Information, Inc.
From Booklist
"Winning at money is 80 percent behavior and 20 percent head knowledge." So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. Our current financial position represents the sum total of the decisions we've made to this point, he tells us, and we must take personal responsibility for our financial problems. His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses. He effectively shows how regular people can rid themselves of debt and grow their wealth using current income. While many of Ramsey's concepts are not new, his simple approach and client testimonials will resonate with a broad range of library patrons. This is important information in a society buried in debt, with unprecedented numbers of people facing bankruptcy. Mary Whaley
Copyright © American Library Association. All rights reserved
About the Author
Dave Ramsey is America’s trusted voice on money and business. His five New York Times bestselling books—Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids—have sold more than 7 million copies combined. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations and iHeartRadio.
Most helpful customer reviews
586 of 628 people found the following review helpful.
Dave Ramsey Will Help You Become Financially Fit
By FaithfulReader.com
I enjoy discussions about my finances about as much as I enjoy talking about my weight. I certainly need to work on both, but I'd prefer to avoid the topics if at all possible, thank you very much. Can I get an "amen"?
Dave Ramsey, radio talk show host, author and all-around financial guru, is no stranger to this ostrich routine. After his own bankruptcy he came to the conclusion that the key to financial (and physical) fitness isn't knowing all the tricks of the money trade; it's being honest with yourself. "If I can control the guy in the mirror, I can be skinny and rich," he says in his new book THE TOTAL MONEY MAKEOVER.
In other words, you have to get your head out of the sand. Okay, I have to get my head out of the sand.
Leaving the skinny to other books, Ramsey is a prophet to those who want to be rich but would settle for being financially stable. It's clear that this is a large group, given the popularity of Ramsey's radio show and books. After reading THE TOTAL MONEY MAKEOVER, I can see why they flock to him for advice.
Ramsey's principles are simple and straightforward. Pay cash. Pay off debts from smallest to largest. Create an emergency fund. He provides easy-to-understand answers to many seemingly complex questions about budgeting, retirement funds, saving for college education, and more.
Large pullout quotes scattered throughout the book offer bite-sized financial advice and factoids in Ramsey's typically direct manner:
"A new $28,000 car will lose about $17,000 of value in the first four years you own it. To get the same result, you could toss a $100 bill out the window once a week during your commute."
"Looking to spend $100 per month on life insurance? You could pay $7 a month toward term insurance and invest the remaining $93. But go with a cash-value policy if you'd rather have someone else earn interest on your investments."
"49% of Americans could cover less than one months' expenses if they lost their income."
"If your mortgage payment is $900 and the interest portion is $830, you will pay that year around $10,000 in interest. What a great tax deduction! Right? Otherwise, you'd pay $3,000 in taxes on that $10,000. But who in their right mind would chose to trade $10,000 for $3,000?"
All of this advice is helpful and eye opening, but what Ramsey really excels at is presenting inspirational tales of those who were once, but are no longer, in financial disarray. Their stories make up at least a third of the book, and the cumulative effect is that of a published pep rally designed to get people pumped up about saving money. And it works.
This is a must-read book for anyone whose looking for a little basic financial information and a whole lot of courage to finally put away the ostrich suit.
--- Reviewed by Lisa Ann Cockrel
344 of 367 people found the following review helpful.
One of My Favorites
By Michael Gates
I have read dozens of finance books and this is one of the best. I would put it up there with Automatic Millionaire, Rich Dad Poor Dad, and Pirates of Financial Freedom. It isn't perfect though which I will talk about later.
Who is this book for? Everyone can benefit from it, but it is great for married couples and those in their late 20s, 30s, and early 40s. Young adults could benefit tremendously from it, but I'm worried it might not be exciting or fun enough to hold their attention. It's not really meant for retirees.
--- The Good ---
* He says financial freedom is 80% behavior and 20% knowledge which is so important, and he emphasizes this by pointing out there are a lot of broke finance professors.
* There are many real-life success stories of real people which shows his method works, and they also provide inspiration.
* He lays out his seven Baby Steps and makes them simple to understand. He points out that living right financially is not complicated. It may be difficult, but it's not complicated.
* I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?"
* The book includes helpful budget forms and worksheet in the back of the book.
* He isn't all gloom and doom. He wants you to have fun and even approves of buying a $30,000 watch, but only after you reach step seven and can afford it.
--- The Not-So-Good ---
* He doesn't go into a lot of detail on how to increase your income. Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics.
* I feel his previous bad experience with debt (he was over-leveraged with his real estate investments) has made him overly zealous on not having any debt. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me.
* The book wasn't super entertaining. I found a few parts to be a little dry and repetitive. While it certainly wasn't boring, I wish more money management books would be like the new personal finance adventure novel, but I guess that isn't this book's purpose. Still, there were a couple parts that made me chuckle and he did have some interesting stories.
* He stressed putting 100% of your investments in stock-related mutual funds. First, I feel ETFs are probably better than mutual funds because they are cheaper and won't underperform the market. Second, recommending a 100% stock portfolio to everyone regardless of age, financial goals, or risk tolerance seems risky to me. Plus you wouldn't experience the diversification benefit of owning non-correlated asset classes.
* He doesn't talk about the benefits of setting S.M.A.R.T. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams.
--- Conclusion ---
Overall it is a very good book with a lot of good advice and inspirational case studies. You certainly won't regret reading it.
947 of 1024 people found the following review helpful.
Generally good advice, if you're really in a financial hole
By T. Scarillo
"The Total Money Makeover" by Dave Ramsey, is the 3rd Edition of his popular book outlining personal finance advice and his "Baby Steps" method of righting your financial ship. I'm assuming that if you actively searched here under his name, you already know who Ramsey is - he and Suze Orman are probably the two most prominent personal-finance show hosts in the US. They have somewhat different styles - both can be pretty blunt to their callers when needed, but Ramsey tends to lean toward advising people to take more-drastic measures to get their debt down (`beans and rice, rice and beans' and his mantra of `Live like no one else, so you can someday Live like no one else') as opposed to Orman's "People first, then money, then things". She's a bit more empathic, but maybe he's a bit more hard-line because, at least from what I've seen (and I've watched both for several years), his audience generally seems to get themselves into bigger financial messes in the first place. If you think you've got it bad, tune into his show (on Fox Business Channel on cable) and you'll hear some REALLY bad stories of situations people have gotten themselves into, that will probably make you feel better about your own finances. Many of the `true stories' contained in the book are of people who got themselves in trouble by: 1) getting married/divorced too young, to/from someone who was as equally inept at handling money; 2) having lots of kids at a very early age (they're expensive, big surprise); and 3) appearing to have no education beyond high school, or majoring in something that is unlikely to yield a living income.
That said, the Ramsey book is a somewhat easy read - it runs around 250 pages, but the print is actually larger than I'd have expected, and the language is pretty colloquial, so it reads pretty quickly and is easy for even the financial newbie to grasp (I read it in around 4 or 5 sittings). The book is a codification of a lot of the advice you'll hear on his show on an ongoing basis if you watch regularly. His strong points are that he's no-nonsense in cutting to the bottom line, and debunking commonly-held `myths' of personal finance. If you're a loyal, diligent watcher of the show, though, this book may be redundant if you've been paying close attention, but for new initiates, it's an informative, if limited-in-scope, read that might provide a jumping off point for further reading. If you're totally behind the 8-ball financially, though, by all means get and read the book, because you've got to start somewhere, but if you've got your act together, and are facing more-advanced issues (such as trusts, estate planning, elder care issues, etc), then really you'd be better off reading Orman's books, which are more substantial and confront the more esoteric/complicated issues of personal finance. I've noticed from watching both, that Ramsey seems to specialize in getting people `back to zero and then on the right path' when they've really dug themselves into a hole (i.e. to get out of debt in the first place) - his advice is basically pretty on-the-mark and keeps it simple (if you're not averse to Bible verses sprinkled in there). I am an accountant, and while I can't say I agree with everything he says (he seems a little TOO wrapped up in the `pay cash for everything' mindset, to the point where I think he's not being realistic about effective ways to use credit in today's world, but I also think his recommendation of a 6-month emergency fund is not enough, given today's rotten economy - you really need 9 mos to a year), the bulk of the info he provides is pretty good (such as the "Debt Snowball" method of attacking your debt), if you can do the most important thing in following it: you need to impose self-discipline to break bad-spending habits. His methods require almost crash-financial-diet measures (such as taking on extra jobs, ceasing any and all unnecessary spending to the point of maybe not having much fun, selling your possessions, etc.), but if you can stick to it, it will probably yield results. There are some simple-to-use worksheets in the book, which you can copy and fill out, to start getting the lay of your finances and create a plan to address problems.
I DO have to say, though, that there were at least two ideas in the book that I heartily disagree with, to the point where I think they're maybe outright bad advice: 1) he says that if you're paying down your debt, you should stop contributing to your 401k plan altogether, even if you're being matched 100% up to a certain amount, in the interest of the psychology of paying the debt - this is questionable advice, because the match is free money that probably works out to an earnings rate far in excess of your interest rates on your debt - on the other hand, if you have oppressive debt, you might be better off paying the debt off, so you need to work the math in `real dollars' on that before you leap; and 2) on pgs. 39-40, he basically dismisses the `worth' of a good FICO score (saying it's an "I Love Debt Score"), and says that ideally you should have NO score - that sounds good on paper, but it's simply not workable in real life, as no bank will loan you money without one, for any purpose - and his entire philosophy is predicated on paying cash for everything, which is much easier said than done (unless you get a 15 year mortgage, which he recommends, but surprise - you'll need a high FICO AND down payment for that). Contrary to what he'd have you believe, it IS possible to have a very high FICO without incurring tons of debt. The FICO stance is where Ramsey and Orman diverge markedly (she preaches the virtues of having a high score, earned by prudent use of credit). And i won't even get into the fact that many prospective employers today WILL check your credit score before offering you a job, and jobs aren't easy to get nowadays in this economy. Nuff said.....
So, in my opinion: if you're REALLY in a hole financially and need to right the ship, then get one of Ramsey's books (this one is a good start); if you've got your act together, and have succeeded in getting out of dire financial straits, check out Suze Orman's books.
See all 3491 customer reviews...
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey PDF
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey EPub
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey Doc
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey iBooks
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey rtf
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey Mobipocket
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey Kindle
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey PDF
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey PDF
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey PDF
The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness, by Dave Ramsey PDF
