Rating: 4.5/5 Stars
Rank: 316

If you have not purchased this book, I would suggest you buy it first in the audio form.

My wife and I listened to it while driving the 45 mile trip to Lewiston, Idaho to purchase groceries. Not only was it good entertainment, but it brought us to agreement for the first time in over thirty years of marriage on how to handle our money.

Yes, even preachers and their wives can argue over money, only that we call it intense fellowship rather than an argument.

Although I have immense respect for the late Larry Burkett, Dave Ramsey is a whole lot easier to listen to. Dave provides the motivation and the empathy that Mr. Burkett did not. I almost laughed until tears came welling out of my eyes as Dave told of his desperate attempts to keep his Jaguar despite going bankrupt.

Dave mantra-If you live like nobody else, you will get to live like nobody else, got me to thinking about our spending decisions.

It was sobering. My wife and I now write a monthly budget and are planning to be completely out of consumer debt within eighteen months.

It will not be easy but we are determined that we are going to achieve the freedom that Christ desires for us. How in the world, can anybody be truly free in Christ, when they owe money to VISA and GMAC?

Any complaints?

Yeah, I got one. I have yet to be convinced of his argument that a Debit Card is just as safe as a credit card.

I often listen to consumer advocate Clark Howard on the radio, and he warns his audience almost daily on the dangers of these fake Visa Cards.

Listeners call up and tell nightmare stories of being defrauded by unethical merchants or having their checking accounts drained by thieves and taking weeks, if not months to get their money back if they got their money back at all. I then asked my local banker if they would restore funds in my checking account if I were defrauded with my Debit Card and how many days that would take.

My bankers reply shocked me. Not only would it take ten days to restore my funds, but if the thief got a hold of my pin number to drain my checking account the bank would assume no responsibility to restore my funds.

Even if my pin number was locked in a safe at home and the thieves broke into my home, dynamited my safe and stole my pin number.

Why? Because we are supposed to have that number memorized and not written down. Sorry Dave, I am going to follow Clarks advice on this one.

By the way, I am working intensely with my young families in the church trying to get each of them to do a total money makeover.

They will retire wealthy if they follow through on Daves advice. This is truly a life-changing book.

Customer Reviews

6.	Get Back On The Right Track Financially
	(Lowell, IN USA) June 2, 2004 - 5.0/5 stars
	This book can definitely change lives. Dave Ramsey provides a step by step "real life" approach to tackling your financial woes. I can't say enough good things about this book.Are you sick of living paycheck... read full review
Current Review
7.	This is truly a life-changing book.
	(Washington State) April 22, 2004 - 5.0/5 stars
	Wow! What a life-changing book. Dave Ramsey hit the nail right on the head. Getting out of debt and building wealth requires more than knowledge of what we need to do with our money, it requires agreement between husband... read full review
8.	Great starting point
	(USA) April 1, 2005 - 5.0/5 stars
	A friend told me about "The Total Money Makeover". I bought the book, read it, and gave one to my sister and her husband. Ths particular book is great for someone who is way in over there head financially. It gives... read full review

Editorials

	From Publishers Weekly
	Radio talk-show host and bestselling author Ramsay (Financial Peace) is less a financial analyst and more of a preacher, which explains both his popularity and the appeal of this book, which jsut might gain a wide audience... read full editorial
	From Booklist
	"Winning at money is 80 percent behavior and 20 percent head knowledge." So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. Our current... read full editorial

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