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The Total Money Makeover – Money Advice For Everyone

Achieve financial freedom with The Total Money Makeover book.

There is a scene played out in grade school classes all around the world. The teacher standing before the class and giving the pupils the assignment of answering the question “What do you want to be when you grow up?” Amid the responses of Astronaut, Football player and Veterinarian, I’m positive I never heard anyone say, “I want to be broke.”

I just wanna stay broke forever no one ever said. Take action NOW!

My misguided youth squandering away all my hard earned dollars are enough to fill a book itself. I could title it, ‘What not to do with your money’. I’m not going to relive any of those fond memories here but rather move to a point in my life where it all came together for me.

I remember my Dad giving me money advice at an early age. His rule of thumb: “Always pay yourself first”. With my first paycheck in hand I paid myself quite handsomely. New car stereo and countless other things I thought I truly deserved. It didn’t come to me until later that I misunderstood what it was that he was saying.

Staying on top of my finances was never really a problem, its just that I really needed a game plan to manage what I was doing.

A nice road map that I could follow down life’s financial road would come in really handy. That’s when a twist of fate allowed me to attend a Dave Ramsey Total Money Makeover seminar.

This was an informal gathering in a dining hall at the Holiday Inn. They showed the whole DVD series over a period of five weeks, every Monday night. Silke and I had just started dating at that time and with our friend Mark we signed up for the classes.

Not only did they give us material to follow along, but also a copy of ‘The Total Money Makeover’!

The Total Money Makeover: A Proven Plan for Financial Fitness [Hardcover]

For anyone who isn’t familiar with Dave Ramsey, his book, or his radio show, let me explain this to you. Through personal financial loss, Mr. Ramsey put together a strategy to help others control their wealth. This is not a get rich scheme. This is just plain common sense stuff that requires a lot of work and a lot of commitment on your part to make it work. 

In a seven step program, you will transform your financial outlook on life to one that actually makes sense, is goal oriented and takes you to new heights of personal insight into your own idea of wealth.

The first step to financial freedom is to save a $1,000.

I scoffed at the very notion of this when I first started. Little did I know that this would be the easiest part of the whole process. Again, this is work. There are no easy ways to do this and there are no short cuts to get you to the seventh step any quicker.

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As I moved through the steps and attained the next level I cannot begin to tell you how I began to feel. Not only about myself personally, but the weight that had always been there began to lift as well.

That rule of thumb that my Dad gave suddenly became clear. I now put a set amount out of each paycheck into a money market account. It’s the first thing that comes out and I truly am ‘paying myself first’.

This book for gaining financial freedom has been so helpful for me that I bought copies for all of my family members and sent them as gifts (paying it forward).

Between all the money advice, steps and practices are real life stories that you and every other reader will be guaranteed to relate to, at least one of them is bound to be close to your own situation. If you feel that you need a money road map to financial freedom then this may be the very book that will help you.

Silke’s Opinion – Being raised a frugal German by very thrifty and verbal parents, I already had my nest egg and was well on my way to financial freedom when Nick and I met. This is not to say that I didn’t make my own mistakes over the years and learned a thing or two the hard way. Paying your credit card off every month is one of them.

Anyway, when the Dave Ramsey seminar was mentioned the first time I reluctantly went along only because I knew we would stop for a cocktail after the meeting. By the end of the second class I had to admit that even a savvy saver like myself can learn a thing or two, plus Mr. Ramsey is highly entertaining.

So sign up for the Dave Ramsey Total Money Makeover seminar when you have a chance, they are usually offered by churches, financial institutions and community groups around the country. You will not be disappointed! Until then, get your own copy of the book, it’s a great gift idea for young adults.

The success stories speak for themselves in this book from money maestro Dave Ramsey. Just remember, there are no quick fixes.

Get The Book

Have you been introduced to The Total Money Makeover before? Leave us a comment below. 

Learn to be smart about your hard-earned money,
Nick Jager

4 Responses to The Total Money Makeover – Money Advice For Everyone

  • Thanks for writing this article on the total money makeover book by Dave Ramsey. I think everybody should read this book and watch his seminar at least once.

  • Terrific details! I have already been trying to find something similar to this for a long time now. Appreciate it!

    • Shavonda,
      This book really changed the way I handle my money. I hope it helps you as well. Let us know how it turns out for you.


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