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The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health.Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!"The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.
This is by far the BEST financial book I have ever read. It was completely eye opening. I didn't relive how much debt my husband and I had until we sat down and wrote it all out and started a budget. Only three months in and we have paid off all credit cards and closed the accounts, we haven't had any fights about money because we know exactly where it's going, and we are on track to pay off our house as well in almost 10 years or less now.This book has changed our financial life and improved our marriage. We are now both on the same page and excited each time we get to cross off a debt that is gone forever.It simply states in his book the seven baby steps you need to follow and in the exact order he says. No other books tells you the exact steps to take, they always give you bulls*** common sense but no physical step by step plan.If you have credit card debt, student loan debt or even just want to take control of your money and strengthen your relationship then buy this book and read it. It's an easy read and only takes a few days to finish, and have a highlighter handy!It took a few weeks to get my husband to read it but in order to BOTH be successful and be on the same page it is inevitable you both read it. We sit down for about 30 minutes at the end of each month and create our budget and it's fun! No arguing just making compromises on what's important that month.It forever changed my life and I am forever grateful to Dave Ramsey and the baby steps. On baby step number two and not stopping anytime soon!