dave ramsey's book the total money makeover

Sacrifice, work extra hours, and sell stuff to get the money. I've also reviewed the abridged audio version. Did I spend more on tuition or drive more than necessary because I had charged those purchases instead of paying cash? I didn't perform a scientific experiment to determine that, but I'd guess not. I also charge all my gas purchases, and make 5% cash back. For example, I paid my college tuition on my credit card and earned 1% cash back on thousands of dollars. I don't think I spend more money simply because I charge purchases rather than dropping cash or using my debit card.

Although I agree that most people are better off avoiding credit cards because they can't resist the temptation to abuse them, I like to use cash-back and other rewards cards to pay for the things I'd be purchasing anyway. The only exception he allows for is a 15-year fixed-rate mortgage. I respect Dave Ramsey as a person and agree with many (maybe most) of his financial principles, but I didn't like Ramsey's strict no-debt stance. I skipped all of these since I'm looking for practical financial advice, not feel-good stories. Ramsey presents some sound financial principles in the book, but it came across as a sales pitch because he mentions his other books and live events, and practically every other page contains a lengthy testimonial from people gushing about their Total Money Makeover. Secure a big, fat nest egg for emergencies and retirement! Recognize the 10 most dangerous money myths (these will kill you) With ' The Total Money Makeover: Classic Edition,' you'll be able to:ĭesign a sure-fire plan for paying off all debt-meaning cars, houses, everything

And it's based on results, not pie-in-the-sky fantasies. 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. There's one sure way to whip your finances into shape, and that's with ' The Total Money Makeover: Classic Edition'.īy 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. 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. If you will live like no one else, later you can 'live' like no one else.īuild up your money muscles with America's favorite finance coach.

Dave ramsey's book the total money makeover