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Summary: CHANGE YOUR LIFE
Review: THE BEST BOOK I HAVE EVER READ! I now worship Dave's principles. You cannot go another day without this book--it is the best thing you can do for yourself and/or your family. Most financial books (and radio talk-shows) talk about how to leverage your debt. Dave talks about how to NEVER have debt again and pay CASH. And I mean for everything including cars and houses. Sounds crazy, but with simple math he makes you realize how easy it can actually be! Financial Peace is a great one too (by Dave), but the Total Money Makeover is a "nuts and bolts" plan. GET IT! You will not regret it.
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Summary: This will change your life
Review: This book has impacted my life in a very big way.I would have bought the book much sooner if I knew it was this good. I also bought the audio book I think this is better if you are married. Then both can listen discuss and react at the same time.
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Summary: Are you people with negative reviews kidding me?
Review: This book is so much more than a book for the financially clueless. After you read this book, listen to Dave's radio program or listen to the archives on daveramsey.com. After less than two months of listening to Dave on radio, our bill arrived from the credit card company and I owed $500 for the previous months spending. I was so irate with myself that I pulled out the old credit card and cut it up while my husband grinned from ear to ear. Then we went to Costco where Dave was appearing and had him sign our book and discovered for ourselves what a terrific guy he is! He not only cured our financial problems but his influence caused us to merge our finances, and write a monthly budget for the first time (at age 63 and 66). My husband and I were so filled with fresh hope that we were turning cartwheels of joy. We can't thank Dave enough!!! Asking for fresh financial advice is like asking for new ways to breathe air. There are rules in the universe dude, shut up and learn.
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Summary: Are you people with negative reviews kidding me?
Review: This book is so much more than a book for the financially clueless. After you read this book, listen to Dave's radio program or listen to the archives on daveramsey.com. After less than two months of listening to Dave on radio, our bill arrived from the credit card company and I owed $500 for the previous months spending. I was so irate with myself that I pulled out the old credit card and cut it up while my husband grinned from ear to ear. Then we went to Costco where Dave was appearing and had him sign our book and discovered for ourselves what a terrific guy he is! He not only cured our financial problems but his influence caused us to merge our finances, and write a monthly budget for the first time (at age 63 and 66). My husband and I were so filled with fresh hope that we were turning cartwheels of joy. We can't thank Dave enough!!! Asking for fresh financial advice is like asking for new ways to breathe air. There are rules in the universe dude, shut up and learn.
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Summary: Baby Steps to Financial Freedom
Review: This common sense approach to debt management truly works. In a 3 week period, I erased over $3,000 dollars worth of credit card debt and in less than 6 months will be half way through another 16,000 worth of debt. The principles that are suggested are yours to use. Mr. Ramsey has been there and stresses that if you live like no other, then you can live like no other later on. It will not make you rich, but it will make you wiser and smarter when it comes to money management. A must have for anyone!
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Summary: Dave Ramsey is the Man
Review: This is Dave's best book yet. It is an easy read and straight-forward. I couldn't put it down. The advise he gives is good old fashioned advise that will work everytime. After completing Dave's Financial Peace University class, my family has been following Dave's plan for the last 18 months. We have eliminated our consumer debt and in the last eight months have payed off over $14,000 on our mortgage. In less than 4 years we will be totally debt free including the house. I would recommend this book to anyone that would like to get out of debt.
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Summary: A wakeup call
Review: Total Money Makeover is book both for those who are in debt and know they have a problem and those who are oblivious to their problems. It begins with a powerful argument on why the American lifestyle (buy now, bankrupt later) will lead to a retirement involving Alpo. For those who are convinced, it then presents 5 steps to financial freedom. For those who need to get out of debt, this is the book. If you just need to stop spending willy-nilly and develop a cash-flow plan, I recommend Dave's other book, Financial Peace: Revisited.
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Summary: Wildly Inspiring
Review: When my husband brought this book home yesterday, I asked, "Why in the world did you buy another finance book? How is this different than the half dozen others collecting dust on the bookshelf?" The Total Money Makeover is completely different. I was up all night reading this book and I now have a "plan" on how to attack our finances beginning with SERIOUS debt reduction. I have not read another book that provides a step-by-step detailed plan as Ramsey's does on how to tackle debt. I have read other financial planning books that provided advice about retirement planning, savings and budgeting but the immediate problem for us was the truckload of debt that we had managed to accumulate throughout our undergraduate and graduate school experiences. The budgeting advice was fine in the other books, but they didn't explain HOW to budget so our debts could be effectively attacked and eliminated. I'm a detail-oriented person and I need a detailed game plan. The Total Money Makeover had a detailed plan along charts, graphs and goals that are easy to understand. This book is so inspiring. It is the first time that I have read a finance book and thought, "Yes, I can do this!" I would recommend this to anyone, especially those like us who feel that their debt is sucking the life out of them each month.
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Summary: This is truly a life-changing book.
Review: Wow! What a life-changing book. Dave Ramsey hit the nail right on the head. Getting out of debt and building wealth requires more than knowledge of what we need to do with our money, it requires agreement between husband and wife, and the determination to change. If you have not purchased this book, I would suggest you buy it first in the audio form. My wife and I listened to it while driving the 45 mile trip to Lewiston, Idaho to purchase groceries. Not only was it good entertainment, but it brought us to agreement for the first time in over thirty years of marriage on how to handle our money. Yes, even preachers and their wives can argue over money, only that we call it intense fellowship rather than an argument. Although I have immense respect for the late Larry Burkett, Dave Ramsey is a whole lot easier to listen to. Dave provides the motivation and the empathy that Mr. Burkett did not. I almost laughed until tears came welling out of my eyes as Dave told of his desperate attempts to keep his Jaguar despite going bankrupt. Dave mantra-If you live like nobody else, you will get to live like nobody else, got me to thinking about our spending decisions. It was sobering. My wife and I now write a monthly budget and are planning to be completely out of consumer debt within eighteen months. It will not be easy but we are determined that we are going to achieve the freedom that Christ desires for us. How in the world, can anybody be truly free in Christ, when they owe money to VISA and GMAC? Any complaints? Yeah, I got one. I have yet to be convinced of his argument that a Debit Card is just as safe as a credit card. I often listen to consumer advocate Clark Howard on the radio, and he warns his audience almost daily on the dangers of these fake Visa Cards. Listeners call up and tell nightmare stories of being defrauded by unethical merchants or having their checking accounts drained by thieves and taking weeks, if not months to get their money back if they got their money back at all. I then asked my local banker if they would restore funds in my checking account if I were defrauded with my Debit Card and how many days that would take. My bankers reply shocked me. Not only would it take ten days to restore my funds, but if the thief got a hold of my pin number to drain my checking account the bank would assume no responsibility to restore my funds. Even if my pin number was locked in a safe at home and the thieves broke into my home, dynamited my safe and stole my pin number. Why? Because we are supposed to have that number memorized and not written down. Sorry Dave, I am going to follow Clarks advice on this one. By the way, I am working intensely with my young families in the church trying to get each of them to do a total money makeover. They will retire wealthy if they follow through on Daves advice. This is truly a life-changing book.
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Summary: Totally amazing makeover
Review: Wow, it is amazing. I was recommended this book by my mentor and can understand why, I have read it already 5 times, and already am a baby step 2. The people who CHOOSE not to understand or implement these teachings need a swift kick in the pants. I also listen to him on my PC on Monday-Friday with streamlining, which he pays for, so people get off your high horses, and pay attention. DEBT is not good, nor healthy. For the person who says he is just money hungry, you are all wrong, listen online, it's worth it. DaveRamsey.com is the place.
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