Updated: Aug 10
“I am positive that personal finance is 80 percent behavior and only 20 percent head knowledge.” –Dave Ramsey
He was a millionaire at twenty-six. He was broke at thirty. Ten years later, he was a millionaire again, but this time around, Dave Ramsey had a brand-new outlook on life. As a young man, Dave “made it” for a moment, but he was soon chewed up, spit out, and humbled. Nowadays, he’s glad that he was. Life had given him a rude awakening. He needed a “total money makeover”.
In his #1 New York Times bestseller, The Total Money Makeover, Dave Ramsey has helped millions of Americans get out of debt, start saving, and take control of their financial lives. Money management can be confusing at times, and as Dave Ramsey can attest, just because you make a lot of money doesn’t necessarily mean you know how to manage your money. Dave Ramsey learned that lesson the hard way.
“I had to quit telling myself that I had innate discipline and fabulous self-control,” says Ramsey. “That is a lie. I had to put systems and programs in place that made me do smart things.”
And that is exactly what The Total Money Makeover is all about. With real-life experience and timeless wisdom from God’s Word, Dave gives his readers the tips and tactics they need to take control of their financial lives. The good news is, getting your money under control isn’t that complicated after all. In fact, it’s much easier than most people could ever imagine.
"I have met with thousands of millionaires,” Ramsey says, “and in almost every case they keep their investing and money philosophies very uncomplicated.”
Okay, great. Money is important, and figuring it out is apparently easier than I thought, but… Where do I start?
The Total Money Makeover, that’s where.
In his conversational, no-nonsense style, Dave provides a step-by-step system for building wealth (the 7 Baby Steps), a fool-proof way to budget your expenses (the Envelope System), and many other practical tips to guide you into the basics of financial planning. Whether you want to pay down debt, save for college, or build wealth for retirement, The Total Money Makeover will give you a snapshot on the basics of money, and these basics will put you on the path to finally feeling in control of your wallet, instead of it controlling you.
“There are only three uses for money,” Ramsey says. “FUN, INVESTING, and GIVING. You cannot claim Total Money Makeover Status until you do all three.”
Are you tired of not having control of your finances? Do you wish there was more money left over at the end of the month? It might be one small change in habits that could make all the difference. You might just need a Total Money Makeover.
Want a FREE copy of The Total Money Makeover? Just post a comment below for a chance to win. Winners will be announced on Friday (8/14) @ 12PM CST! If you're our lucky winner, a few days later it'll be at your door!
Here's a link to the book: https://www.amazon.com/Total-Money-Makeover-Classic-Financial/dp/1595555277/ref=sr_1_2?crid=TWN38UN99MJ6&dchild=1&keywords=the+total+money+makeover+by+dave+ramsey&qid=1596909470&sprefix=the+total+%2Caps%2C157&sr=8-2