The Total Money Makeover

by Dave Ramsey | Nelson, Thomas INC. © 2007 · 272 pages

Dave Ramsey is a seriously funny guy and this book is packed with goodness. If you’re tired of being in debt and looking for a real solution to your challenges, this book is for you. In the Note, we’ll have fun exploring the importance of having what Ramsey calls “Gazelle-like Intensity” as we get out the scissors to perform a “Plastectomy” on your credit cards and start living more like the millionaire next door rather than a wannabe rich goober.

It is really hard to sell books and DVDs that teach the necessity of lots of hard work, living on less than you make, getting out of debt, and living on a plan, but I’m trying—because it’s the only way that will work. Meanwhile, the sooner you understand that no one gets rich quick by using secret information, the better.
Dave Ramsey

“The Big Challenge: Find a Mirror – I have a challenge for you. Are you ready to take on the guy or gal in your mirror? If you are, you are ready to win. I rediscovered God’s and Grandma’s simple way of handling money. Wealth building isn’t rocket science, which is a good thing for me (and probably you). Winning at money is 80 percent behavior and 20 percent head knowledge. What to do isn’t the problem; doing it is. Most of us know what to do, but we just don’t do it. If I can control the guy in the mirror, I can be skinny and rich. We will let other books work on the skinny, and I will help you with the rich part. No, there are no secrets, and yes, this will be very hard. Hey, if it were easy, every moron walking would be wealthy.”

~ Dave Ramsey from The Total Money Makeover

Dave Ramsey’s Total Money Makeover is awesome.

If you’re struggling with debt, I HIGHLY HIGHLY HIGHLY HIGHLY HIGHLY (!) recommend this book.

With a no-nonsense, super funny and equally smart style, Ramsey gives us a “A Proven Plan for Financial Success.”

As is usually the case with personal finance books (check out our Notes on everything from T. Harv Eker’s Secrets of the Millionaire Mind to Robert Kiyosaki’s Rich Dad Poor Dad), I’m going to focus more on the awesome Big Ideas we can generalize to our lives (and start rockin’ NOW) and leave the details of Ramsey’s financial plan for the book.

Again, if you’re struggling with debt, I really think you’ll love this book. It’s so important for us to take control of this aspect of our lives and I have no doubt you’ll thank me if you take me up on my recommendation to go get the book and follow its goodness.

For now, let’s enjoy a few of my favorite Big Ideas! :)

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About the author


Dave Ramsey

Bestselling author of books about money