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 3rd edition of "The Total Money Makeover "includes a fresh cover design, all new personal success stories, and naysayers, and more.
ABOUT THE AUTHOR: Dave Ramsey is a personal money management expert, an extremely popular national radio personality, and New York Times best-selling author of The Total Money Makeover. In this latest book, a follow-up of his enormously successful Financial Peace and More Than Enough, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.
Ramsey knows first-hand what financial peace means in his own life--living a true rags-to-riches-to-rags-to-riches story. By age 26 he had established a $4 million real estate portfolio, only to lose it by age 30. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right--financially, emotionally and spiritually.
Ramsey offers life-changing financial advice as host of a nationally syndicated radio program, The Dave Ramsey Show, which is heard by more than 2 million listeners each week on more than 280 radio stations throughout the United States.
Ramsey is the creator of Financial Peace University (FPU), a 13-week program that helps people dump their debt, get control of their money, and learn new behaviors around money that are founded on commitment and accountability. More than 260,000 families have attended FPU classes at their workplace, church, military base, local nonprofit organization, Spanish organization, or community group. The average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely out of debt, except for the mortgage, in 18 to 24 months.
Ramsey created a group of products in an effort to teach children about money before they have a chance to make mistakes. Financial Peace for the Next Generation is an all-inclusive school curriculum that is currently in more than 800 schools across the country. Financial Peace Jr. is an instructional kit designed to help parents teach their young children about working, saving and giving their money. Through Ramsey's entertaining children's book series, The Super Red Racer, Careless at the Carnival, The Big Birthday Surprise, My Fantastic Fieldtrip, A Special Thank You, and Battle of the Chores, children learn about working, saving, giving and spending money.
Ramsey earned his Bachelor of Science degree in Finance and Real Estate from the University of Tennessee. A frequent speaker around the country at large-scale live events, Ramsey is a passionate and inspiring presenter who is at ease on both sides of the mic. More than 400,000 people have attended Ramsey's LIVE events.
He resides with his wife, Sharon, and their three children, Denise, Rachel, and Daniel, in Nashville, Tennessee.