The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey


This book is a great step by step plan to help you get control of your finances by walking you through the 7 baby steps.
1. Small Emergency Fund of $1000
2. Pay off all debt except house with debt snowball
3. Fully Fund Emergency Fund to 3-6x of living expenses
4. Invest 15% of income for retirement
5. Fund kids college fund
6. Pay off mortgage
7. Have fun, give and invest

I love Dave Ramsey. We have been doing the Total Money Makeover since Jan 1 of this year (we started after reading Dave’s book “Financial Peace”) and we are already seeing plenty of success with our baby steps. We pay for everything in cash now and if we don’t have the cash, we don’t buy it. We’ve got an emergency fund in place and have used it when things came up – auto repairs, etc. And best of all, we are in debt reduction mode – we had cut up all the credit cards Jan 1 and now we only see balances getting smaller or eliminated.

I highly recommend Dave’s book. Wish I had found it as a younger person. He writes in an very straight-forward, easy to understand way, without being dry or dull.


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