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The Total Money Makeover Audiobook

The Total Money Makeover: A Proven Plan for Financial Fitness

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Publisher's Summary

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. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress and debt. And that's a beautiful feeling.

©2003 Dave Ramsey; (P)2003 Thomas Nelson Publishers

What the Critics Say

"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." (Publishers Weekly)

What Members Say

Average Customer Rating

4.5 (197 )
5 star
 (144)
4 star
 (30)
3 star
 (13)
2 star
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1 star
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Overall
4.6 (159 )
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1 star
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Story
4.6 (159 )
5 star
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3 star
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2 star
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Performance
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  •  
    Sifisosami wokinghamUnited Kingdom 27/01/2011
    Sifisosami wokinghamUnited Kingdom 27/01/2011
    HELPFUL VOTES
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    "Thank you Dave Ramsey"

    This is a quick update to those in need of hope. I wrote a review back in June last year and now wish i could give this book more than 5 stars!!! We are now debt free, thanks to Dave's principles layed out clearly in this book.

    4 of 4 people found this review helpful
  •  
    Daisy 04/02/2016
    Daisy 04/02/2016 Member Since 2008
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    "brilliant."

    great advice. strong American biased but the basic plan is sound where ever you live.

    2 of 2 people found this review helpful
  •  
    M. E. Gideon England 04/08/2015
    M. E. Gideon England 04/08/2015 Member Since 2014

    Info Warrior

    HELPFUL VOTES
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    "Good sound advice"

    It's what many people need to hear. No rocket science. Just straight talking. Short and to the point. The tough talking could feel a little OTT for some but it is not unbearable; I found it entertaining and used appropriately to stress points. Will pay for itself many times over

    2 of 2 people found this review helpful
  •  
    Azamat Utenov Almaty, Kazakhstan 17/11/2016
    Azamat Utenov Almaty, Kazakhstan 17/11/2016
    HELPFUL VOTES
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    "mostly for americans"

    there are some useful points, but in general this book's knowledge is applicable for americans

    1 of 1 people found this review helpful
  •  
    REDMO73 29/07/2016
    REDMO73 29/07/2016
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    "Great Book"

    Loving this book. Hard Hitting and no nonsense practical way to move forward to Financial Health.

    1 of 1 people found this review helpful
  •  
    tex 04/07/2016
    tex 04/07/2016
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    "Great advice"

    Very straight forward advice that anybody can follow and become wealthy get out of debt save for retirement etc.

    The advice is very american-based which is obvious as he is from the US but it translates very easily to the UK so can still be followed.

    I loved the baby steps, so easy to take on board and digest. I admit it would take most people a while to go through all the steps and reach the stage where u get to "live like no one else because u've lived like no one else"but the goal definitely seems worth it.

    highly recommended.

    1 of 1 people found this review helpful
  •  
    GudGurl Leeds, UK 18/04/2016
    GudGurl Leeds, UK 18/04/2016 Member Since 2013
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    "A Dull , Dry Topic Brought to Life"

    Well written book about a subject that's easy to procrastinate over. I would highly recommend.

    1 of 1 people found this review helpful
  •  
    Ashwin 11/02/2016
    Ashwin 11/02/2016
    HELPFUL VOTES
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    "Good book"

    This is a very good personal finance book . Simple steps to achieve financial freedom. I would buy other book by Dave and read them definitely.

    1 of 1 people found this review helpful
  •  
    Timothy 18/10/2015
    Timothy 18/10/2015 Member Since 2017
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    "Excellent from start to finish"

    If you are tired of living life payday after payday and never seeming to have any money then I highly recommend this book.

    It is a tried and tested method that so far has worked wonders for me!

    1 of 1 people found this review helpful
  •  
    Mrs S J Davis 31/07/2017
    Mrs S J Davis 31/07/2017
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    "Good uncommon common sense"

    This isn't a get rich quick scheme. Instead it's the sort of sound financial advice I wish I'd had thirty years ago, before I made some stupid decisions. This book has given me the encouragement and knowledge I needed to sort our finances out.

    0 of 0 people found this review helpful
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  • Alexandra
    Gainesville, VA, United States
    11/02/14
    Overall
    Performance
    Story
    "This guy makes sense"

    I have business degrees from Wharton (BS) and Stanford (MBA), but like most Americans from middle class backgrounds, I never got much training in personal finance and always felt bewildered by it. I recently listed to The Total Money Makeover for the third time and it clicked. The first two times, I was still in school and had no income, so felt powerless to act on its lessons. Now, with a steady income (and some monstrous student loans) the lessons are relevant, actionable, and empowering.

    Before, I always felt at a loss when it came to budgeting. After re-listening to The Total Money Makeover, I got a second savings account to hold my emergency fund and long-term savings, making it easier to separate between current accounts and short-term savings. Now, I have an Excel spreadsheet with a separate column for each upcoming pay check. I know how much of each paycheck will get immediately transferred into long-term savings (e.g. for a wedding in the fall), how much will go to short-term savings (e.g. for next month's rent), and how much disposable income I have in my current checking account.

    Furthermore, I have a better plan for paying down my debts. If I were to approach this according to the pure net present value financial principles taught in school, I would start with my big student loan (highest interest rate), then my smaller student loan, then my car loan (lowest interest rate). After listening to Ramsey, I'm going to do it in the opposite order. Although that will cost me some in NPV, it means I can pay off my car loan in a few months (freeing up $250 per month in cash flow), and can pay off my smaller student loan in a few years. My larger student loan is the size and duration of a mortgage, and I'll treat it like it's one. If I tried to pay it off first, I wouldn't see any impact on my cash flow for probably 14 years, making it discouraging to try to find extra dollars to put towards paying down debt. Trying this the Ramsey way, I already feel like I'm making progress and am motivated to do more.

    Dave Ramsey is an inspiring speaker. Although his message may come across as simple, in my opinion it does a far better job taking into account human nature than any of the sophisticated financial and economic models I spent so much money learning. I can't recommend this book enough.

    74 of 77 people found this review helpful
  • BushidoBryan
    Kashiwa, Chiba, Japan
    16/07/12
    Overall
    Performance
    Story
    "maybe the best self help book ever"
    Would you recommend this audiobook to a friend? If so, why?

    I have. I am a financial advisor and every high school kid, anyone who wants to be out of debt, and anyone without 6 months savings should read this book. It teaches real money mangement.


    What did you like best about this story?

    The step by step process to financial stability.


    What about Dave Ramsey’s performance did you like?

    He is truly passionate about what he does and is a motivating leader. I do not always agree with him, but he is right when it comes to managing money.


    Was this a book you wanted to listen to all in one sitting?

    Yes.


    Any additional comments?

    this is a must read and top ten book of all time for me.

    8 of 8 people found this review helpful
  • Robert
    Eustis, FL, United States
    15/07/12
    Overall
    Performance
    Story
    "Short and Easy Steps"
    Where does The Total Money Makeover rank among all the audiobooks you’ve listened to so far?

    I would give a B-. Gets to the point, gives good metaphors and easy to follow.


    What was one of the most memorable moments of The Total Money Makeover?

    Metaphors used to describe steps or missteps are very memorable and applicable to most people.


    What about Dave Ramsey’s performance did you like?

    Voice and diction were probably best compared to what I have listened. Would expect good performance from professional speaker. Have heard some "funny" start/stops or paragraph breaks on other books. Probably start of new session or after break. Did not hear in Ramsey's performance, however this book is shorter than most. 3+ hours


    Did you have an extreme reaction to this book? Did it make you laugh or cry?

    No crying, definitely a few laughs. Mostly found myself quoting excerpts to others.


    Any additional comments?

    Religious overtones and bible quotes throughout book. However quotes in nature of "Saving" money and neither borrowing or lending; giving money OK. People describe me as Agnostic and this did not bother me. All in all good book, great performance. Enjoy

    12 of 13 people found this review helpful
  • Randy Webster
    Mena, AR, U.S.A.
    11/06/12
    Overall
    Performance
    Story
    "Do you have debt?"

    Great book showing a simple, common sense, approach to getting free of debt. It's not easy. You'll have to sacrifice and live like nobody else but end the end you will be able to LIVE like nobody else!

    4 of 4 people found this review helpful
  • Amazon Customer
    23/04/12
    Overall
    Performance
    Story
    "Thank you"
    What made the experience of listening to The Total Money Makeover the most enjoyable?

    I appreciate the insight offered in this book. The steps outlined are easy to understand. The scenarios offered were helpful.


    3 of 3 people found this review helpful
  • avoidthelloyd
    Poteau, OK
    30/12/11
    Overall
    Performance
    Story
    "Very Motivational..."

    Even if you might not adhere to Dave's plan exactly, the idea of slavery to debt and freedom from it are very motivational. I feel like the examples he uses are real life people and he doesn't use terms or language that is reserved for finance professionals. It really is a good, practical plan for getting out of debt via hard work and perseverance. Even though his plan is not the best "mathematically", the point of getting some quick wins by paying off the lowest balance without regard to interest rate is a legitimate point. Honestly, you can hear most of the content of this book in his daily podcasts. I do recommend this book to people.

    30 of 37 people found this review helpful
  • Jason
    United States
    25/05/12
    Overall
    Performance
    Story
    "Life changing!!!!"

    Listened 10 times an will listen again and again in future and so will you!!!

    6 of 7 people found this review helpful
  • Matthew
    New Market, MD, USA
    25/03/05
    Overall
    "Brash? Yes. Honest? Absolutely."

    Some people have remarked that they don't like the tone of this book. If the author seems a bit "brash", it's only because he's attempting to highlight the level of insanity with which most people approach personal finance. Take a look around you. The guy you work with who just bought a new Hummer. Your sisters' friend who just moved into a $800,000 home. They must be doing great, right? WRONG.

    The truth is, they're most likely broke. They're high-income, low-net-worth people who are teetering on the edge of complete financial ruin. Rich people, don't do these things!! Well, that is unless they're really really rich.

    This book will change the way you think about money. When I see the guy in the new Mercedes now, I think, "Man, that guy has nothing in the bank". This book will make you proud of your old jalopy. After all, it's better to ACTUALLY BE RICH.

    Most Americans WISH for financial security and DO everything they can to make sure it NEVER happens. I think this is a level of insanity that warrants a brash tone.

    If your ready to get real about your finances, this is the only book you need to read.

    55 of 70 people found this review helpful
  • Amazon Customer
    USA
    20/11/16
    Overall
    Performance
    Story
    "Skip everything else an get this"

    if you think you can "think and grow rich," look at your bank account and see if the numbers add up. I'm a big Napoleon Hill fan, and a won't discount his work but if you don't like what you're seeing in your bank account and thinking positively/using your subconscious mind (aka doing nothing and expecting something) isn't working for you.... get this book. I feel into all of the above traps and now I'm kicking myself for not reading this sooner. Get yourself a plan to get out of debt and use your income to build your wealth. it's your responsibility to yourself and to the world to become wealthy so you can help others. But it won't happen by sitting on the couch and looking for that next seminar/book on tape that will teach you how to do nothing and become rich. Take my word for it. The inportance of correct thought habits cannot be ubderstated, but they ultinately mean very little without right action.

    2 of 2 people found this review helpful
  • Christopher Collett
    23/05/09
    Overall
    "Very good, wish it was available unabridged."

    This book is for those who realize that there is no "magic" in getting on top of finances. It is very practical in its approach. I'm done with the books, theories, and thinking that suggest that there are quick fixes to wealth. God, and much less, "the Universe" will not save you from your financial woes. Only hard work, serious budgeting, and self-control will.

    14 of 18 people found this review helpful

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