Wanna get out of debt? Dave Ramsey has a proven method- just follow his steps and you will be able to save yourself from lots of heartache. Dave also includes testimonials from families who have used his methods to get out of debt. ( )

Here is a book that provides you with a life plan that is easy to understand AND implement. You are required to follow a plan that gets you out of debt, build an emergency fund, plan for the future, and build wealth.

This is not a get rich quick scheme, but a build wealth scheme over time. For those will to follow Dave's principles, you are encourage to cut up and close you credit cards, live on cash. Debit cards are fine to use as well. For many, this will seem foreign or impossible. For those that take the journey, you will be rewarded.

This book belongs on everyone's book shelf right along side the Millionaire Next Door! ( )

Helpful, highly motivating book. Other books have sound advice to get ones finances in order. This book really gets you to get going and get the hard work done. ( )

Mostly useless as I'm not in debt. Nothing too new here, other than that, except the constant god-bothering. The "get fit" language throughout was annoying too. ( )

Dave Ramsey’s The Total Money Makeover should be the first book on the reading list of anyone who is struggling with debt or, as the author says, is “sick and tired of being sick and tired.” In straightforward, simple, and rather blunt terms Ramsey walks his readers through the seven baby steps that will lead them out of debt and into financial peace.

Many people hesitate to take the advice of financial experts because it is difficult to know if their advice works. Ramsey’s advice, however, has been field tested. Dave Ramsey has seen both the highs and lows of financial life. By the age of 26 he had created a rental real estate portfolio worth more than $4 million. His entire net worth had been built on debt, however, and when the banks came calling he was forced into bankruptcy. Since then, Ramsey has eschewed debt and has rebuilt his fortune many times over.

I am not going to go over every single step in the book. Instead, I will discuss the main themes of the book. Ramsey is an ardent believer in personal responsibility. Consider him the AA of personal finance. Until you are able to admit that your debt is the result of your actions and that only you can get yourself out of it, nothing else will work. The key, in Ramsey’s opinion, is the written budget. Everything he teaches begins there. You must know exactly where every dollar you make is going, before you even earn it. If you don’t plan this out, you will never be able to take control of your finances and take control of your life.

This book is not for advanced investors. Ramsey does not discuss specific investments much at all. This is a book about the theory and emotions of personal finance and is a simple and honest plan for taking control of your financial life. Highly recommended. ( )