The Total Money Makeover: A Proven Plan for Financial Fitness
Dave Ramsey
Language: English
Pages: 288
ISBN: 159555078X
Format: PDF / Kindle (mobi) / ePub
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.
told me they were debt-free except for their house, and they had $12,000 in the bank just for emergencies. They had broken through their own denial, but they made their family uncomfortable because they refused to live like everyone else. Albert Einstein said, “Great spirits have often encountered violent opposition from weak minds.” John’s dad had made fun of their plan and the extra jobs they took to win. He asked if they had joined some cult or something. Once Sara and John had realized they
permission. Scripture quotations marked NRSV are from the NEW REVISED STANDARD VERSION of the Bible. © 1989 by the Division of Christian Education of the National Council of the Churches of Christ in the U.S.A. All rights reserved. ISBN 978-1-59555-216-7 (SE) ISBN 978-1-59555-078-1 (2009 edition) Library of Congress Cataloging-in-Publication Data Ramsey, Dave. The total money makeover : a proven plan for financial fitness / Dave Ramsey. p. cm. ISBN 978-0-7852-8908-1 (2007
for approval and respect drives us to do some really insane things. One of the paradoxically dumb things we do is to destroy our finances by buying garbage we can’t afford to try to make ourselves appear wealthy to others. Dr. Tom Stanley wrote a wonderful book in the ’90s that you should read entitled The Millionaire Next Door. His book is a study of America’s millionaires. Remember, if you want to be thin and muscular, you should study the habits of people who are thin and muscular. If you want
brand-new baby and a toddler and not knowing how we were going to keep the heat on. That is a sensitive place in her psyche, and with good reason. We don’t even use the emergency fund for emergencies. Part of the salve on that wound is that our emergency fund has an emergency fund. If I even walk near the drawer where the emergency fund Money Market checkbook is kept, Sharon’s security gland can tighten up. Being the highly trained investment mogul that I am, I could certainly find places to put
something had to give! First, I shopped around and found a good mechanic to do the work for just $300. Then, I took a second job to pay for it. Soon after, I finally decided to attack my debt once and for all. I wanted to do it fast, so I got extra jobs. I spent 10 hours a day on Saturdays and Sundays cleaning rooms at a fancy resort. I remember driving from my second job and crying because I didn’t want to scrub toilets or make beds anymore! But I knew it would be worth it in the end.