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The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness Hardcover – September 17, 2013

4.7 4.7 out of 5 stars 21,705 ratings

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Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite finance coach, Dave Ramsey.

By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.

The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to:

  • Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method
  • Break bad habits and make lasting changes when it comes to your relationship with money
  • Recognize the 10 most dangerous money myths
  • Secure a healthy nest egg for emergencies and set yourself up for retirement
  • Become financially healthy for life
  • Live like no one else, so later you can LIVE (and GIVE) like no one else!

This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

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From the Publisher

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The Total Money Makeover: Updated and Expanded Edition
The Total Money Makeover Workbook: Classic Edition
The Total Money Makeover Journal
The Total Money Makeover: Spanish Edition
Customer Reviews
4.7 out of 5 stars 21,705
4.7 out of 5 stars 5,696
4.5 out of 5 stars 149
4.7 out of 5 stars 813
Price $14.99 $13.77 $15.79 $11.61
Discover the full suite of Total Money Makeover titles The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook is full of inspiring real-life stories and thought-provoking questionnaires. This is the reset you’ve been searching for When Dave Ramsey was undergoing his own total money makeover, he found that journaling was an effective way to see the big picture. Now, discover patterns in your spending and tackle the source of bad money habits by journaling through your journey. Usted PUEDE tomar control de su dinero. Fortalezca sus músculos financieros con el entrenador monetario favorito de Estados Unidos: Dave Ramsey.

Editorial Reviews

About the Author

Dave Ramsey is an eight-time No. 1 national best-selling author, personal finance expert and host of The Ramsey Show, heard by more than 18 million listeners each week. He has appeared on Good Morning America, CBS Mornings, Today Show, Fox News, CNN, Fox Business, and many more. Since 1992, Dave has helped people regain control of their money, build wealth and enhance their lives. He also serves as CEO for the company, Ramsey Solutions.

Product details

  • Publisher ‏ : ‎ Thomas Nelson; 1st edition (September 17, 2013)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 272 pages
  • ISBN-10 ‏ : ‎ 1595555277
  • ISBN-13 ‏ : ‎ 978-1595555274
  • Item Weight ‏ : ‎ 1.36 pounds
  • Dimensions ‏ : ‎ 7.6 x 1.02 x 9.55 inches
  • Customer Reviews:
    4.7 4.7 out of 5 stars 21,705 ratings

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Dave Ramsey
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Dave Ramsey is America’s trusted voice on money and business. He’s a #1 National bestselling author and host of The Ramsey Show, heard by more than 18 million listeners each week. Dave’s eight national bestselling books include The Total Money Makeover, Baby Steps Millionaires, and EntreLeadership. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people take control of their money, build wealth, and enhance their lives. He also serves as CEO of Ramsey Solutions.

Customer reviews

4.7 out of 5 stars
21,705 global ratings

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Customers say

Customers find the book provides great advice on money management skills. They find it easy to understand and straightforward, with common-sense explanations. Many consider it a good value for money. The book makes a great gift and encourages giving. It's durable and has no tears or frills.

AI-generated from the text of customer reviews

1,094 customers mention "Advice"1,061 positive33 negative

Customers find the book's advice helpful and informative. They say it helps them gain financial freedom and build wealth without being rich. The success stories and practical approach are appreciated.

"...I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home...." Read more

"...from where you want to be with money to showing you how you can handle your money wisely and pay your bills every month...." Read more

"Bought this for my coworker. This was my foundation and introduction to finances and from this book I ventured to other financial personalities...." Read more

"Dave Ramsey has great ideas on money management skills. Never too late to start working on getting out of debt...." Read more

950 customers mention "Readability"942 positive8 negative

Customers find the book easy to read and helpful for reining in spending habits. They say it's a quick read that gives practical steps to reduce spending and save money. The book arrived in good condition and provides an excellent overview of the topic.

"...smarter way prepare for your kids' college education, this is a great book to read...." Read more

"...This book could change your future and is worth every penny you spend on it...." Read more

"...Do your reading. Learn on your own. Highly recommend this book!" Read more

"...This reinforced my belief that this book was worth my time. So I decided to buy it on Amazon since I could not wait to start reading it...." Read more

521 customers mention "Ease of reading"479 positive42 negative

Customers find the book easy to read and understand. They appreciate the clear language and simple advice. The book is divided into basic steps and includes budgeting advice.

"...He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you..." Read more

"...This is a very easy to read book, but you will want to read it over a few times to make sure you get all the concepts down in the book...." Read more

"...It was a super easy, entertaining book to read. It is written in plain language so that anyone can understand...." Read more

"The book is quite good and well outlined. I especially like the real life examples and simple steps Dave recommends to get your finances in order...." Read more

153 customers mention "Value for money"110 positive43 negative

Customers find the book provides good value for money. It offers a clear plan to become financially fit, including budgeting tools and worksheets. They say it gives them direction to financial success and includes some budgeting tools at the end.

"...Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!" Read more

"...I also appreciate the price of the book because I had to take a course that includes this book and the price was much affordable here." Read more

"...This is not a get rich book, nor magical either; is a book for you to learn how to budget and save money in order to have a prosperous life in the..." Read more

"...He does dabble a bit on the fact that it is the greatest return on investment, but to the person who has no prior experience in investing, a little..." Read more

54 customers mention "Gift value"54 positive0 negative

Customers appreciate the book's gift value. They say it makes a great gift for budgeting friends, encourages giving, and is appreciated by brides and grooms. The stories and advice are well-received.

"...Dave's advice is straightforward, simple and practical. I appreciate his delivery and the stories that are told throughout the book...." Read more

"This is a fantastic gift for anyone!" Read more

"...Great gift for newlyweds and those wanting to get out of debt and begin wealth building." Read more

"...Great book to give as a gift as well, this is the best thing you can do for somebody that's having financial difficulties, even better than giving..." Read more

42 customers mention "Sturdiness"42 positive0 negative

Customers appreciate the book's sturdiness. They find it durable with no tears or frills. The material is worth it, and the core of the 7 steps is solid. The techniques are simple to follow and require dedication. The method is specific.

"...The product itself is very durable and if you are not ready for what is inside it or do not have time to read it, you have time to put it on the..." Read more

"The book is in excellent pristine condition. SBH rules!" Read more

"This book came in perfect condition...." Read more

"The material is worth it and can’t wait to see the results. Get it if you are dedicated to changing your spending habits...." Read more

33 customers mention "Pacing"30 positive3 negative

Customers find the book's pacing helpful. They say it helps them reach goals and become attainable. The book focuses on one goal at a time, keeping them focused. It also helps them stay on track and get out of debt.

"...Clear Action Steps: Ramsey's approach is practical and actionable...." Read more

"...Dave's advice is straightforward, simple and practical. I appreciate his delivery and the stories that are told throughout the book...." Read more

"...This method works as long as you follow each step and stick to it. Would definitely recommend." Read more

"...The brilliance of this book is its simplicity - focusing on a singular goal at a time so that progress is visible no matter which step you're..." Read more

40 customers mention "Story quality"27 positive13 negative

Customers have different views on the story quality. Some find it engaging and relatable, with inspiring stories from Dave and others. Others feel there are too many stories about people who have achieved success with the program, making it a rambling compilation of feel-good stories.

"...Ramsey's motivational tone and relatable anecdotes keep readers engaged and inspired to take control of their finances...." Read more

"...a year ago, but found so many helpful tips and ideas and inspiration within these pages, that I am now in a much better financial position than I was..." Read more

"...here - don't know that I would purchase it again as there are far too many stories and too much introduction before getting to the main points in..." Read more

"...The stories were appropriately placed in the book to tie in Dave's topics...." Read more

"If You Will Live Like No One Else, Later You Can Live Like No One Else."
5 out of 5 stars
"If You Will Live Like No One Else, Later You Can Live Like No One Else."
I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
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Top reviews from the United States

  • Reviewed in the United States on February 25, 2018
    I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.

    The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.

    I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.

    I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.

    If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
    Customer image
    5.0 out of 5 stars
    "If You Will Live Like No One Else, Later You Can Live Like No One Else."

    Reviewed in the United States on February 25, 2018
    I've always been interested in my finances and my husband and I jointly manage our family's finances so we both know what's going on. A friend at church was talking about Dave Ramsey and I had never heard of him before so I decided to look him up and see what kinds of books he wrote. I found this book to be a popular choice of his and I didn't know how much of it would interest me so I ended up borrowing it from the library initially. I enjoyed his writing and found the information to be helpful so I decided to purchase my own copy to reference at home.

    The Total Money Makeover is a personal finance book written by Dave Ramsey. Ramsey is a financial expert as well as a Christian who has had his own money troubles in the past. He's overcome them and learned from his mistakes so he's passed along his wisdom in these pages. There are also many stories of people who have been in a tough spot financially who used this book to get themselves out of debt. This book is 237 pages long, contains 13 chapters, worksheets and a full index.

    I found this book to be helpful and I really enjoyed reading it! Dave Ramsey writes in a no-nonsense fashion and if he says something is stupid or a bad idea, he will say exactly that. He doesn't beat around the bush. He provides step-by-step information on getting yourself out of debt and what to do if you have a crisis while you are working on getting yourself out of debt (he also refers to Murphy's Law quite a bit so something will always happen). I like how he tells us what types of companies, funds, etc to avoid and what ones are good ones. Even though he knows a lot about investments, he doesn't provide extensive investment information in this book but he does give some information on what types of funds he thinks are best based on trends.

    I enjoyed this book so much that I told my sister about it and she said she wanted to read it too so I bought one for her and one for myself. I've told others about the book and I think it is helpful, no matter what your financial situation is. Some parts of the book didn't apply to us but I found the second half of it to be especially informative which is why I decided to buy a copy. Unless you already have millions of dollars in the bank and have all of your finances under control (retirement, investments, kids' college education, etc.), I think you'll find the information in this book to be useful.

    If you have a lot of credit card debt and loans and want to get your finances under control, I highly recommend this book. Even if you don't have a lot of debt but you want to find a smarter way prepare for your kids' college education, this is a great book to read. It's very informative and you can also borrow a copy from a friend or the library first before you buy your own. I'm glad I bought it because the small investment in this book has caused us to take a closer look at our finances and see what we can do better. Overall, I feel it's worth the money and time to buy and read this book so you have a financially-fit future!
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    221 people found this helpful
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  • Reviewed in the United States on February 10, 2019
    This book is for people who need a change in their lives financially. Some examples of people who could really use this book are people who have student debt, people coming out of college and not knowing how they are going to tackle their mountain of debt, or people who have mountains of credit card debt and are living paycheck to paycheck. There are plenty of reasons people could come across this book and it all comes down to that having debt in your lie is something that you do not want. Everyone wants to be out of debt and do not know where to start, this book will give you the "how to". The Total Money Makeover book will expose your poor spending habits you have and is a guide to bringing your financial life to a stable state. Dave Ramsey writes this book in a way that everyone can relate whether you are a college student or an adult. The concepts that this book tackles from where you want to be with money to showing you how you can handle your money wisely and pay your bills every month. This book could change your future and is worth every penny you spend on it. This book can scare you at first, but once you get past the first couple of chapters your worries go away and gets you excited for the future you could have when you are debt free.

    The product itself is very durable and if you are not ready for what is inside it or do not have time to read it, you have time to put it on the shelf and not worry about the product getting damaged. This is a very easy to read book, but you will want to read it over a few times to make sure you get all the concepts down in the book. Taking notes would help as well. As Dave Ramsey will say, "It will not work if you are not all in on this journey." This is a journey that you could take on for 6 months or years depending on your situation. Dave Ramsey brings out sayings from the bible in it, but that does not mean that you must be Christian to follow the principles that he presents. This guide can work for everyone if they stick to it and decide you are sick of being at the bottom of the mountain and looking at the debt. You can do this, you just need to get this book and believe that you can do it. The community that surrounds this book and Dave's books are supportive and there is proof with millions of people who have done what he preaches and have gotten debt free. This shows that you can do it too and get your financial life in order too!
    6 people found this helpful
    Report
  • Reviewed in the United States on January 12, 2025
    Bought this for my coworker. This was my foundation and introduction to finances and from this book I ventured to other financial personalities. Do your reading. Learn on your own. Highly recommend this book!
    One person found this helpful
    Report
  • Reviewed in the United States on January 25, 2025
    Dave Ramsey has great ideas on money management skills. Never too late to start working on getting out of debt. I bought this for our daughter but feel like keeping it even though we are on track with our money goals. I’ll have to get another book for her.

Top reviews from other countries

Translate all reviews to English
  • LW
    5.0 out of 5 stars Good book
    Reviewed in Canada on February 22, 2025
    Great to pair with the work book
  • Ryan
    5.0 out of 5 stars Amazing
    Reviewed in the United Arab Emirates on October 4, 2024
    Great book!
  • Client Kindle
    5.0 out of 5 stars Article conforme
    Reviewed in France on June 2, 2024
    Ça fait moment que je suis Dave Ramsey et je suis convaincue par sa méthode, je cherchais son livre en édition physique. Il est arrivé avant la date prévue et en très bonne état pour jn livre d’occasion, on dirait un livre neuf. Vendeur très sérieux, je recommande.
    Report
  • Akash Ghosh
    5.0 out of 5 stars Finance King👑
    Reviewed in India on March 21, 2024
    Just loved it, so simple to understand the story given there is so inspiring and valuable. Deep Respect for the Author 🙏🏻
  • Amazon Customer
    5.0 out of 5 stars Interessant und einfach erklärt
    Reviewed in Germany on August 12, 2023
    Dave Ramsey kenne ich schon länger vom Podcast. Hat mit einer Radiokarriere angefangen und sich als Schuldnerberater der USA bekanntgemacht. Da er selbst als Immobilienmillionär alles verloren hatte und wieder von Null anfangen musste, kann er gut zu dem Thema etwas sagen. Das Buch gibt es leider nur in Englisch aber es zeigt übersichtlich dar, wie man seine Finanzen in den Griff bekommt und Vermögen aufbaut. Es gibt diese sogenannten 7 Babysteps. Erst Schulden abbezahlen und dann nach und nach weiter aufbauen. Es ist für amerikanische Verhältnisse geschrieben (vor allem was Rente etc. betrifft) für uns Deutsche nur bedingt geeignet, da wir ein anderes Sozialsystem haben. Aber trotzdem kann das Buch hilfreich sein, wenn man seine Finanzen ordnen und in den Griff bekommen möchte.