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What our customer's say!

"Excellent Workbook For Improving Financial!", * Dave Ramsey explain in details on how to change our financial income from bad to good.
* There are lots of diagrams, charts and graphs for us to evaluate the current financial income that we are facing currently.
* You can be sure to sleep well at night once you have apply the strategy inside this book.
* Nobody likes to have debt but if you do, you can repair it and make it good. Dave describe this very clearly inside the book.

"I am a BIG fan", This book to me does not require much explanation other than READ IT and FOLLOW IT. What it teaches is simple and laid out in the book as such, but it's like that bonk on the head you need to take a look at your personal finances. READ IT!

"Changes your life", I have read this book and got caught up in the concepts. I am now debt free and living like I never believed possible. I share this book and principle with everyone I know. I have coordinated classes using Dave's video lessons. These principles will change America. A must read

"Shorter version of Book but well worth it", I have read both the book and own this workbook version. I would actually recommend the workbook over the book as it allows you to start the concepts quicker and put into practice into your own life much faster. The anecdotes are similiar but just condensed in this version. This version cuts to the chase with tables, suggestions, budgets, and "how to". I like the shortened version but still went back to read the full book version later. The one positive aspect of the full book versus this version is that it provided many more examples of real people using the techniques, what their outcome was, and how long it took them to get debt free. In this sense, there was more motivation there. I didn't/don't personally need that but some may need that or want that.

"Money Makeover is the best financial book ever", Dave Ramsey is a godsend to those who are starting over financially. He gives hope and direction, sound advice. He has been there and came out of the money mess. This is one heck of a "great" help to those in financial problems.

Read this reviews before You buy...

"Total Money Makeover", This book by Dave Ramsey will change the mindset of anyone who reads it. It revolutionized my thinking about money - how to use it and what to do with it.

"Must Read!!!!", My husband and I have been married for 16 years and for the first time in our married life together we can say that we have no credit card debt, and soon will have no car payments either. We owe this accomplishment to Dave Ramsey and ALOT OF HARD WORK. This is not a get-rich-quick or get-outta-debt-easy book. If you are looking for that, you need to check out the science fiction or fantasy section. This is a get real, look in the mirror, you created this mess, book. If you are really serious about changing your financial health, and really serious about doing what it takes to get out of debt, then this is your answer. It is not easy, and you must be willing to put pride aside and work the plan. Are you willing to trade in that expensive car for a beater? Are you ready to stop eating out and start cooking? Are you ready to live on a budget that doesn't include designer clothes or designer coffee or acrylic nails? Are you ready to live on LESS than you make? Do you understand that if you can't afford to pay cash for it, then you can't afford it? OUCH!!! If you are sick and tired of being sick and tired, then read the book and give it a try. We did and I cannot explain how wonderful it feels to be free from Chase, Citibank, and Capital One. Soon, we will be moving on to setting up our emergency fund and financially planning out the rest of our lives and it is AWESOME!!!!!!

"If you start out this way....Everybody could be well off!", I Give this book to the young people I know who are just starting out in life. The concepts in this book can save adults who are drowning in Debt but if a young person can understand the futility and fatality of the Debt Cycle and see the powerful potential benefits of saving and sacrifice multiplied by years, you can truly build wealth over time that will lift you far far above the Joneses!

"Excellent", I read another review stating that the plan was not in the book. I do not understand this review... obviously someone who did not read it or both reading the chapter titles. Things like "save $1000 fast" really don't need much more explanation. Dave says that he is not advocating anything new or intellectually challenging, it is just difficult. He walks very meticulously through the steps for getting out of debt his way: stop using debt, get a mini emergency fund set up, pay down your debts in the debt snowball... which he explains in concept why it works and practically how it is done, building the emergency fund to full 3-6 month funding, retirement and college saving, further wealth building, and beyond. If I can glean all of this from the book, the whiners about this being full of nothing have not done their homework or have another motive in their review. Dave is also very clear about the fact that his book is very motivational, not a book about math and strategic nuances. How many other books offer a "read this before buying" section to tell you what to expect? I guess the credit card companies, debt collectors, and other industry experts who thrive on America's debt addiction do not view this as a sound resource. All the more reason to buy it, learn it, live it, love it!!!

"Life Changing!", I was honored enough to meet Mr. Ramsey and he was honored to leave me a copy of his book to read. I went home, read it front to back and our lives have changed...we are no longer paycheck to paycheck, this book and all of its contents have changed my life and marriage for the better. This did not come without sacrafice...living on beans and rice for 2yrs...gave us the life we long dreamed of. For example, our paid off car broke down and was $1200 to repair 4 weeks later our dog got sick $600.00. Being debt free...all that had to happen was move around some paychecks and dip into our EMERGENCY FUND. Paid CASH for these two bills...What a concept! Read this book open minded & it WILL change your life...