The Total Money Makeover PDF Download Free

The Total Money Makeover PDF

Features of The Total Money Makeover PDF

The Total Money Makeover PDF-You CAN take control of your money. Build up your money muscles with America’s favorite finance coach.

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: Classic Edition.

By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:

  • Design a sure-fire plan for paying off all debt—meaning cars, houses, everything
  • Recognize the 10 most dangerous money myths (these will kill you)
  • Secure a big, fat nest egg for emergencies and retirement!

Includes new, expanded “Dave Rants” sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.

Dive deeper into Dave’s game plan with The Total Money Makeover Workbook: Classic Edition. The Total Money Makeover: Classic Edition is also available in Spanish, transformación total de su dinero.

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Description of The Total Money Makeover PDF

The Total Money Makeover PDF is one of the best medical books for students and professionals on the subject of test preparation. It is a must download.

The Authors

The Total Money Makeover PDF

Dave Ramsey is a #1 national bestselling author, personal finance expert, and host of The Ramsey Show, heard by more than 18 million listeners each week. He’s authored seven national bestselling books including, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. Since 1992, Dave has helped people regain control of their money, build wealth, and enhance their lives. He also serves as CEO for the company, Ramsey Solutions.

Dimensions and Characteristics of The Total Money Makeover PDF

  • ASIN ‏ : ‎ 1595555277
  • Publisher ‏ : ‎ Thomas Nelson; 1st edition (September 17, 2013)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 272 pages
  • ISBN-10 ‏ : ‎ 9781595555274
  • ISBN-13 ‏ : ‎ 978-1595555274
  • Item Weight ‏ : ‎ 1.41 pounds
  • Dimensions ‏ : ‎ 7.67 x 0.75 x 9.5 inches
  • Book Name : The Total Money Makeover PDF

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Top reviews

Rachel Rainbolt “The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey is the book of elementary financial literacy that imparts common sense wisdom (albeit, with some fiery Christian passion) that every American should know. But I certainly didn’t. And I was in good company with the vast majority of Americans in that ignorant camp (“Don’t be normal,” he encourages, “be weird people!”). This book was my entry point into conscious personal finance and it (along with his podcast) completely shifted our relationship with money. The main battle cry of this book is to live debt-free. Free being the key word. As a slave to a lender, you can never truly be free with debt. These 7 baby steps of his are simple, universal, and brilliant. We worked them, and let me tell you, they work.

Save $1000 emergency fund
Pay off debts using the Debt Snowball: Make a list of your debts, smallest to largest (excluding mortgage) and focus all of your financial effort on one debt at a time (making only the minimum payments on all others), working your way down, with gazelle intensity. Once you cross one off, you divert all the money you were paying on that debt to the next, with the payment size growing at each step.
Save 3-6 months expenses
Put 15% toward retirement
Save for kids’ college
Pay off mortgage
Build wealth by investing

“We buy things we don’t need with money we don’t have to impress people we don’t like.””

Jordan E. “Dave Ramsey cannot do Math. Misinformation abounds in this book. First, Ramsey’s famous “12% market return”. This is a false number, and even if he used the correct number for the S&P since it’s inception (10%), it’s not adjusted for inflation. *Real* market returns (the increase in actual value in today’s dollars) are between 6 and 8 percent (see Warren Buffet). Ramsey does some truly spectacular math with this B.S. number, including the statement that if you invested $3600 instead of prepaying for your own funeral you would end up with almost half a million dollars. That’s outright deceptive. There’s plenty of these nuggets throughout the book. Lines such as “you cannot pay off your student loans while in school” (you can, payments just aren’t *required* while in school) are a good example. Or that you can securely withdraw 8% of your nest egg and still see an annual 4% return. This advice is outright dangerous, because the actual value you can withdraw safely in perpetuity is around 3%. That’s how volatile markets and inflation work. Withdraw 8% of your principal per year and you will run out of money.

His statements on debt are also questionable, especially student debt. The message is “don’t do it!”. This might make economic sense for an arts major, but for an engineering/STEM major, debt truly is an instrument. Your increase in salary for the first few years post-graduation alone makes it economical.”

Janell Michaels “I grabbed this book because I was tired of watching our bank account drain and credit card balances rise, all the while wondering where the heck our money was going. And quite simply put, this changed everything for us within the first month.

The “makeover” is a set of 7 baby steps, but before the steps comes the cornerstone of the whole program: a written budget and a cash envelope system. The book covers why you need a written budget, and boy, it was true for us. Sure, I had a mental idea of what our bills were. But writing everything out let me see ALL the little things I tend to forget about, and how quickly they add up. The book helped us make a “zero based” budget, meaning we earmarked every dollar coming in for a specific purpose (rent, groceries, gasoline, etc.) Then comes the cash envelope system, which helped us make an immediate 180-degree turnaround on our spending. The book covers why cash is better than plastic (debit as well as credit), as well as how to create cash envelopes for each spending category and stuff them with the budgeted amounts. No more accidental overspending!

The rest of the book goes over the baby steps, a systematic, do-these-in-order money tasks to kill debt and build wealth. Each step’s chapter also includes personal success stories. Honestly, you can learn the steps without this book either from the Dave Ramsey website, or even better, from watching the metric TON of YouTube videos on his channel. He does a daily show where people call in with money problems, and he uses this method to solve them. That practical, real-world advice has taught me a lot about this system. But I like having this book handy on my Kindle as a reference, plus the info given about each individual step goes more in-depth than the website.

To sum up, if you own Financial Peace University, Dave’s other money books, or are a die-hard YouTube viewer, there’s likely nothing new here. But if you’re new to the system or want a written reference to go along with his videos, this might well be the one to get in order to cover the basics. I was desperate and at wit’s end, terrified of the retirement future staring me in the fact in the next decade or so. Now, I can see a bright financial future ahead, and we have a plan. I can’t say enough about this program!”

Source : Amazon

The Total Money Makeover PDF

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