• The Total Money Makeover

  • A Proven Plan for Financial Fitness
  • By: Dave Ramsey
  • Narrated by: Dave Ramsey
  • Length: 3 hrs and 41 mins
  • Abridged Audiobook
  • Release date: 11-07-03
  • Language: English
  • Publisher: Thomas Nelson
  • 4.5 out of 5 stars 4.7 (14,893 ratings)

Regular price: $15.96

Membership details Membership details
  • A 30-day trial plus your first audiobook, free.
  • 1 credit/month after trial – good for any book, any price.
  • Easy exchanges – swap any book you don’t love.
  • Keep your audiobooks, even if you cancel.
  • After your trial, Audible is just $14.95/month.
Select or Add a new payment method

Buy Now with 1 Credit

By confirming your purchase, you agree to Audible's Conditions of Use and Amazon's Privacy Notice. Taxes where applicable.

Buy Now for $15.96

Pay using card ending in
By confirming your purchase, you agree to Audible's Conditions of Use and Amazon's Privacy Notice. Taxes where applicable.

Publisher's Summary

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.
Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress, and debt. And that's a beautiful feeling.
©2003 Dave Ramsey (P)2003 Thomas Nelson Publishers
Show More Show Less

Critic Reviews

"The strength of this book is that it is a straightforward motivational tool. He provides the brutally direct truth about the hard work it takes to become free of debt, and his directness is a great part of the book's charm." (Publishers Weekly)
Show More Show Less

Customer Reviews

Most Helpful
5 out of 5 stars
By Alexandra on 02-11-14

This guy makes sense

I have business degrees from Wharton (BS) and Stanford (MBA), but like most Americans from middle class backgrounds, I never got much training in personal finance and always felt bewildered by it. I recently listed to The Total Money Makeover for the third time and it clicked. The first two times, I was still in school and had no income, so felt powerless to act on its lessons. Now, with a steady income (and some monstrous student loans) the lessons are relevant, actionable, and empowering.

Before, I always felt at a loss when it came to budgeting. After re-listening to The Total Money Makeover, I got a second savings account to hold my emergency fund and long-term savings, making it easier to separate between current accounts and short-term savings. Now, I have an Excel spreadsheet with a separate column for each upcoming pay check. I know how much of each paycheck will get immediately transferred into long-term savings (e.g. for a wedding in the fall), how much will go to short-term savings (e.g. for next month's rent), and how much disposable income I have in my current checking account.

Furthermore, I have a better plan for paying down my debts. If I were to approach this according to the pure net present value financial principles taught in school, I would start with my big student loan (highest interest rate), then my smaller student loan, then my car loan (lowest interest rate). After listening to Ramsey, I'm going to do it in the opposite order. Although that will cost me some in NPV, it means I can pay off my car loan in a few months (freeing up $250 per month in cash flow), and can pay off my smaller student loan in a few years. My larger student loan is the size and duration of a mortgage, and I'll treat it like it's one. If I tried to pay it off first, I wouldn't see any impact on my cash flow for probably 14 years, making it discouraging to try to find extra dollars to put towards paying down debt. Trying this the Ramsey way, I already feel like I'm making progress and am motivated to do more.

Dave Ramsey is an inspiring speaker. Although his message may come across as simple, in my opinion it does a far better job taking into account human nature than any of the sophisticated financial and economic models I spent so much money learning. I can't recommend this book enough.

Read More Hide me

141 of 148 people found this review helpful

4 out of 5 stars
By Robert on 07-15-12

Short and Easy Steps

Where does The Total Money Makeover rank among all the audiobooks you’ve listened to so far?

I would give a B-. Gets to the point, gives good metaphors and easy to follow.

What was one of the most memorable moments of The Total Money Makeover?

Metaphors used to describe steps or missteps are very memorable and applicable to most people.

What about Dave Ramsey’s performance did you like?

Voice and diction were probably best compared to what I have listened. Would expect good performance from professional speaker. Have heard some "funny" start/stops or paragraph breaks on other books. Probably start of new session or after break. Did not hear in Ramsey's performance, however this book is shorter than most. 3+ hours

Did you have an extreme reaction to this book? Did it make you laugh or cry?

No crying, definitely a few laughs. Mostly found myself quoting excerpts to others.

Any additional comments?

Religious overtones and bible quotes throughout book. However quotes in nature of "Saving" money and neither borrowing or lending; giving money OK. People describe me as Agnostic and this did not bother me. All in all good book, great performance. Enjoy

Read More Hide me

34 of 36 people found this review helpful

See all Reviews

Customer Reviews

Most Helpful
5 out of 5 stars
By Sifisosami on 01-27-11

Thank you Dave Ramsey

This is a quick update to those in need of hope. I wrote a review back in June last year and now wish i could give this book more than 5 stars!!! We are now debt free, thanks to Dave's principles layed out clearly in this book.

Read More Hide me

6 of 6 people found this review helpful

5 out of 5 stars
By Daisy on 02-04-16


great advice. strong American biased but the basic plan is sound where ever you live.

Read More Hide me

3 of 3 people found this review helpful

See all Reviews

Customer Reviews

Most Helpful
2 out of 5 stars
By Carla on 12-17-15

Didn't get enough out of it

I couldn't decide between this book or Dave Ramsey's Financial Peace - i opted for this one given it was only 3 and a bit hours and i thought I'd get the highlights version. In hindsight i would have been better off buying Financial Peace as he skims over way too much and all i really got out of this book was avoid debt - which is kinda obvious Mr Ramsey! He does touch on his "baby steps" which had he gone into more may have been a help.

It also takes a bit of getting used to being yelled at - but you do kinda get used to it by the end.

Read More Hide me

3 of 3 people found this review helpful

5 out of 5 stars
By Dane on 08-07-15


Dave delivers an honest, step by step and powerful message on how to build and keep wealth !! Highly reccomend.

Read More Hide me

2 of 2 people found this review helpful

See all Reviews
© Copyright 1997 - 2018 Audible, Inc