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.
Customer Reviews:
Avg. Customer Rating: 4.5 / 5.0
The Total Money Makeover:
With the exception of the Bible, Total Money Makeover has made the biggest impact on my life. If you are tired of never having enough money and being in debt, this book is for you! Easy to read and easy to understand.
Dave Ramsey Offers Financial Advice and Motivation:
When it comes to money and financial issues, Dave Ramsay has become one of America's most trusted and popular voices. He is a best-selling author, host of the wildly popular radio program, The Dave Ramsay Show, television host on the new Fox Business Network, and a recognized financial guru. Ramsay has become popular by combining humor and inspirational true stories with cold, hard number crunching. The fact that Ramsay is an outspoken Christian who is just as likely to quote a Bible verse as a money maxim... more info
Attention my fellow salesman: This book can be a game-changer for you!:
As a salesperson who has made uneven, sporadic lump-sums of money on a commission basis for years, I had the tendency to believe that I will always be able to 'outearn my stupidity' (I borrowed that phrase from Dave's Radio Show). This never happened. I heard Dave's radio show and realized that I needed a change in my thinking. This book and Dave's philosophy is largely based around the wise saying that the borrower is servant to the lender (Proverbs 22:7). This book was very helpful in helping me realize... more info
80 percent behavior and 20 percent knowledge, save your first 1000 dollars, cut CC, use visa debit, get a 15 year fixed mortgage:
Myth: You should get a credit card to build credit 1. Pay cash or use a Visa debit card for all financial transaction with the exception of a mortgage.
2. Qualify for a 15 year fixed mortgage loan. The fixed mortgage loan strongly hedges in the favor of the consumer. The banks uses variable rate loans to offset their risk and make available fix rate loans to preferred consumers. Take advantage of the fix rate loan.
3. You can qualifying for the 15 year fix rate loan if: if you have paid... more info
