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Lunch » Tags » Books » Reviews » The Total Money Makeover: A Proven Plan for Financial Fitness » User review

This Book Is Changing My Life

  • Apr 24, 2009
  • by
Rating:
+5
Like many Americans, I was caught up in the trap of managing debt instead of managing money. Treading water and wondering why I wasn't getting ahead I mostly tried to forget about my debt issues and just get on with things. I had a feeling something wasn't right, but I dismissed it so's not to deal with it.
A friend showed me TTMM over lunch one day. I read part of the introduction and a few of the testimonials inside and I was hooked. I bought the book that day, sat down with my wife and started reading.

TTMM doesn't teach you some "get rich quick" scheme or a plan to make more money. Rather, it teaches how to manage the money you have and work through a plan to financial fitness. It's not easy, but it's well worth it.

I can't recommend this book enough. Get it and read it, you won't be sorry.

You can read more about my personal TTMM here: http://rehor.blogspot.com/2009/04/whats-up-with-dave-ramsey.html

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Quick Tip by . July 08, 2010
This was a very good book but I found that the information only works if you have money to work with. For example, you have money but are just living beyond your means. But if you are already broke, you will find it very difficult to apply these to your life. That is my opinion.
review by . March 07, 2010
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review by . July 17, 2009
You won't find anything Earth shattering in this book. It's a very formulaic approach to paying off your debt and saving for retirement and college. On a personal note, my husband and I are pretty lucky, we don't have any credit card debt. We only have one little credit card that we pay off every two weeks. We have other debt, of course, but well... let's just say that we learned our lesson early in our marriage - did you know that bars in Hawaii take credit cards? Or that you shouldn't finance …
review by . March 06, 2006
I earn more than my parents *ever* did, and more than I ever dreamed possible growing up. But when I look at the bank accounts and bills, it certainly doesn't seem that way. I had the opportunity to read The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey. No gimmicks, no tricks, and it may be just what I need to get things in order...    Contents: The Total Money Makeover Challenge; Denial; Debt Myths; Money Myths; Two More Hurdles; Save $1000 Fast; …
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Elmer ()
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Member Since: Apr 1, 2009
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About this book

Wiki

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.
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Details

ISBN-10: 0785263268
ISBN-13: 978-0785263265
Author: Dave Ramsey
Genre: Business & Investing
Publisher: Thomas Nelson
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