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The Total Money Makeover Workbook

4.29  ·  Rating details ·  1,730 Ratings  ·  164 Reviews
A simple, straight-forward game plan for completely making over your money habits!

Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you a
ebook, 256 pages
Published January 21st 2004 by Thomas Nelson Publishers (first published January 21st 2003)
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Katie Cole
Jan 26, 2011 rated it really liked it  ·  review of another edition
Although this has an overly Christian undertone...if you can get passed that, the financial advice is pretty sound. My husband and I are on Baby Step #2 and on our way to putting to rest our financial turmoil.
It was an ok book. It made some interesting key points, but overall it was not what I expected. I knew it dealt with debt but I expected something else besides that.
Nonetheless, I believe that indebted people could find it interesting and make good use of the exercises and tables it provides, especially to realize in which situation they are in and how to slowly reverse it.
Kaitlyn Stevens
Nice financial information

Nice finance book. Mostly didn't like how it was written. Emphasized how his method was a proven way to get debt free too much and talked about god way to much for my taste. But finance advice was on point through the book.
Aug 24, 2010 rated it really liked it  ·  review of another edition
If you have never taken a personal finance course or are swimming in debt, this is a great starting point on taking control of your finances, living within your means, and changing your financial family tree, while also teaching you that the real reason to build wealth is to be able to help others.
Mar 18, 2008 rated it it was amazing  ·  review of another edition
Recommends it for: Everyone who makes or uses money.
Recommended to Rachel by: Tim
Great book. All should read it and teach it to their children. I liked the book better than listening to the book on CD. Dave Ramsey himself reads the book on CD and I found him a little obnoxious in his tone and attitude.
Apr 15, 2008 rated it it was amazing  ·  review of another edition
This book breaks down the steps to finding financial peace by getting out of debt. There are several steps, I'm on step 2 which is systematically paying off everything but the house. I've managed to pay off all debt other than one car, although another set of braces is right around the corner. I may not finish this step for another year, but I'm motivated! I love the success stories included in the book and Ramsey's philosophy of spiritual-emotional-temporal security by being in control of your ...more
Jun 27, 2008 is currently reading it  ·  review of another edition
While I am still reading and learning, I can tell you right now that this book takes common sense and taps you on the shoulder with it and says "why don't you do this?" When faced with pretty straightforward financial advice, you may ask yourself why you didn't come up with this Total Money Makeover plan yourself. I know I am asking myself why I live the way I do, paying the bare minimum of my school loans off from month-to-month when I could probably afford at least a little more, if I cut the ...more
Mar 15, 2011 rated it really liked it  ·  review of another edition
I didn't spend a whole lot of time looking through this book, but from what I saw it's mostly for those who struggle with handling money, and for those who don't really know how to budget, and have a lot of debt. It looked like much of the same information that was in the actual Money Makeover book, it just had quizzes and budget sheets and things for you to fill out for your particular situation. We have lived on a strict budget for a long time, and I feel like we are pretty good with our money ...more
Leah Morris
Jan 05, 2015 rated it it was amazing  ·  review of another edition
I loved this book. I had heard of Dave and his 7 baby step process but didn't know that much. This book really laid it all out for me and helped me have an amazing plan for my future. I think if anyone has a chance they could read this because once you do, your life with be changed for the better. Dave is hilarious and I love the way he wrote this book. It is a blessing to my fiance and I, and it has really helped us. I can't wait for us to meet Dave someday!
Melanie Nielson
Dec 12, 2010 rated it it was amazing  ·  review of another edition
Shelves: self-help
Amazing. I am in love with Dave Ramsey. He told me all the secrets on how to retire a millionaire and I plan on doing just that. Thanks Dave.
Sep 15, 2008 rated it liked it  ·  review of another edition
Good book. Common sense stuff that is worth repeating. I especially like the zero dollar budget idea, or, give every dollar a job. Good stuff.
Brian Cassada
May 20, 2014 rated it it was amazing  ·  review of another edition
Great book. Encouraging anecdotes and a proven process can help you achieve the financial goals that you have always dreamed about.
Javatis Midget
Jan 01, 2010 rated it it was amazing  ·  review of another edition
This book transformed my financial life forever. I wasn't putting a dime away and was living check to check; after I read this book, I was inspired to do better for me and my family.
Travis Smith
May 14, 2015 rated it it was amazing  ·  review of another edition
This book changed my family's lives. Thanks Dave
Aug 04, 2017 rated it it was amazing  ·  review of another edition
I think the book was really well written and had a lot of great points! The baby steps are great and I can really see you becoming debt free with his plan! I didn't think it was too religious which I know a lot of people complain about with him. The next step is to have my husband read so we can get on the same page and put these baby steps into action!!! Here is to being debt free!!!
Sep 05, 2017 rated it it was amazing  ·  review of another edition
Keith Christensen
Must read. This is a book about budgeting, about getting rich slowly all the while living life comfortably, with dignity, happily, but not without sacrifice. He quotes over and over that you must live like no one else so you can live like no one else. In other words, you must sacrifice things now that no one else is willing to sacrifice, so you can reap the rewards of those sacrifices over the long term and live like others can't.

He talks about how to get your financial plans in order, and he a
Nov 24, 2011 rated it it was amazing  ·  review of another edition
EVERYONE should read this book! the sooner you read it, the faster you can begin taking control of your financial life, and changing your outlook completely.

This fantastic book and resource was first recommended by my parents, and later by Susan Buckenmeyer. I'd heard Dave Ramsey's praises sung by many that I respect when it comes to financial advice, and I finally got around to reading it during summer 2012 in preparation of buying a car.

From a literary standpoint, Ramsey isn't well-written. He
Ingrid Hughes
Feb 14, 2015 rated it really liked it  ·  review of another edition
Two of my girlfriends had read this book with their spouses and recommended it. Dave Ramsey has great insights, although this is not so much a book about managing money but changing lifestyle. It gets redundant and the theme can be summed up in 13 chapters saying "don't do dumb things". Great practical advise though. I think the majority of readers can identify with needing to hear and follow the plan he recommends. I think Dave focuses on two extremes, those who are extremely terrible at money ...more
Edward Tse
This review has been hidden because it contains spoilers. To view it, click here.
Great advice, but the tone of the advice can be a tad much at times. I will change many things about how I pursue financial goals in the near future from this book. Dave's debt snowball idea and his priority list for financial goals (baby steps), as well as his focus on staying debt free and avoiding finance charges and risk are all particularly salient pointers.

Much of the book, however, is filled with pop out quotations from other parts of the book and fluff testimonials telling how Dave help
Sep 17, 2014 rated it it was amazing  ·  review of another edition
Recommends it for: everyone!
Finished this book and my husband and I are so excited to start our Total Money Makeover! We are newly married and in our early 20s and are excited to start our new life right making our focus on becoming debt free and saving/investing in our future so we can live the life we want. This book is so inspirational and EASY to read and understand for everyone, regardless of their financial knowledge. The success stories throughout the book get you more and more excited as you read. Dave is straight ...more
Jan 03, 2015 rated it really liked it  ·  review of another edition
Ramsey gives some excellent biblical advice in this book.

Being someone who does not need a budget makeover but a budget revision, it was sobering to hear that if I want to plan for excellent I need to start thinking and moving out of mediocrity. Financial freedom starts with being out of debt, and that means striving to pay off all loans to be able to invest the money that monthly goes toward the payment of debt.

There are two points in which I disagree with Dave:
1) you can find CDs that don't p
Apr 25, 2015 rated it liked it  ·  review of another edition
I was a little disappointed with the Total Money Makeover. I expected there to be more help with completing a budget. There was none. He mentions using the sheets in the back of the book and that instructions are on them but gives no other explanation or help. I was also very frustrated that over half the book was about credit card debt. We have none. We still need a money makeover so we can learn to budget better and increase savings (start saving for retirement and kid's college) but I was lef ...more
Jul 05, 2016 rated it really liked it  ·  review of another edition
This review has been hidden because it contains spoilers. To view it, click here.
Apr 04, 2014 rated it liked it  ·  review of another edition
We are a budget family - meaning we are a family that has and follows a budget. I read this book to see if it could give me new ideas to make our budget better. I thought the book overall was repetitive and a boring read; however, I did find the worksheets interesting. Seeing numbers written down helps me 'see' it better than reading them in a paragraph. Ramsey does a good job of putting finances in perspective and the whole notion of planning for the future. I would recommend this book to other ...more
Bonita Perez
Dec 21, 2014 rated it really liked it  ·  review of another edition
I've always been the nerd in my family. My husband is the spender. When i noticed that significant life changes were putting a dent on our debt level, i wanted to bring him on board of "living within our means" and "stop keeping up w the Joneses" but i just couldnt get through to him. He did not want to sacrifice lifestyle and thought it's imposible to pay off the house. I bought the book and lucklily he picked it up too... In fact, he did not put it down and finished it in a week. This book bro ...more
Patricia Groves
Dec 24, 2016 rated it it was amazing  ·  review of another edition
An exciting path towards financial security

Although aimed at an American readership, this workbook is equally applicable to international readers. As well as being an enjoyable read - I recommend you listen to his radio show or watch him on YouTube to get a sense of his entertaining style of delivery - the financial wisdom between these pages has the power to change your life, and guide you to financial security. It's never to late to start, so start now! (It's a good idea to purchase The Total
Sep 10, 2010 rated it really liked it  ·  review of another edition
WOW! I really enjoyed this book. I listened to the audiobook, and while I heard that some people didn't like the audiobook because he was always yelling, I thought just the opposite - I thought it was entertaining to hear him talk with so much passion about this subject. I enjoyed it so much, that I am listening to it a second time through! I would recommend this book to anyone who would like to feel more comfortable in their money situation. I think he has some really good points that we plan t ...more
Apr 15, 2008 rated it liked it  ·  review of another edition
I have read a few money management books. Most of them preach the same things, stop nickel and diming, stick to a budget, skip the daily Starbucks(as if). Dave Ramsey's book did not point out things that I didn't already know, but he does offer real solutions and provides examples of setting up a monthly budget. I do like his snowball technique of paying off debts and that you should budget monthly and decide exactly what amount of money goes to what. As someone trying to pay down debt to buy a ...more
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Money management... 2 39 Sep 30, 2013 11:40AM  
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David L. Ramsey III (b. September 3, 1960) is an American financial writer, radio and television host.

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“The fact is, most people in our nation today believe that debt is NORMAL, and in most cases, NECESSARY. They can’t imagine living a cash-and-carry life or a life in which all things they own are purchased outright with cash at the time of purchase— in other words, with no payment plan or use of credit cards.” 2 likes
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