The Total Money Makeover Workbook by Dave Ramsey

The Total Money Makeover Workbook Reviews

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  Katie Cole

  Although this has an overly Christian undertone...if you can get passed that, the financial advice is pretty sound. My husband and I are on Baby Step #2 and on our way to putting to rest our financial turmoil.
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  Jacki

  No one told me I didn’t have to get both the workbook and the main book, so I ended up reading them at the same time. Honestly, if you want to get down to it, the workbook is probably the better option. Work page templates are divided up into the chapters rather than at the back of the book, and you cut down on the amount of “waxing poetic” Dave does in the main book. Legit the same information though.
• 
  Rachel

  Great book. All should read it and teach it to their children. I liked the book better than listening to the book on CD. Dave Ramsey himself reads the book on CD and I found him a little obnoxious in his tone and attitude.
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  Rhomy

  It was an ok book. It made some interesting key points, but overall it was not what I expected. I knew it dealt with debt but I expected something else besides that.
  Nonetheless, I believe that indebted people could find it interesting and make good use of the exercises and tables it provides, especially to realize in which situation they are in and how to slowly reverse it.
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  Kaitlyn Stevens

  Nice financial information
  
  Nice finance book. Mostly didn't like how it was written. Emphasized how his method was a proven way to get debt free too much and talked about god way to much for my taste. But finance advice was on point through the book.
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  Melinda Soto

  This is a great companion book to Financial Peace University!
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  Jason

  The workbook didn't give me any new knowledge. Took this book up to see how a financial book's workbook looks like. I really wish there was an indian cojnterpart to this.
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  Ian

  Great advice, but the tone of the advice can be a tad much at times. I will change many things about how I pursue financial goals in the near future from this book. Dave's debt snowball idea and his priority list for financial goals (baby steps), as well as his focus on staying debt free and avoiding finance charges and risk are all particularly salient pointers.
  
  Much of the book, however, is filled with pop out quotations from other parts of the book and fluff testimonials telling how Dave helped them become millionaires in just a few short years. The whole thing could be condensed into a 45 page how-to manual, but if you skim the fluff, it only takes a couple of hours to read cover to cover. It's worth the time for anyone who wants to be financially secure and is willing to stay strong against consumerist temptations.
  
  Wealthiness is next to godliness, right? At least if you live in Dave's world.
• 
  Josi

  This book breaks down the steps to finding financial peace by getting out of debt. There are several steps, I'm on step 2 which is systematically paying off everything but the house. I've managed to pay off all debt other than one car, although another set of braces is right around the corner. I may not finish this step for another year, but I'm motivated! I love the
  success stories included in the book and Ramsey's philosophy of spiritual-emotional-temporal security by being in control of your money. I found this book through listening to the Dave Ramsey talk radio store--also a great investment of time.
• 
  Karina

  I didn't spend a whole lot of time looking through this book, but from what I saw it's mostly for those who struggle with handling money, and for those who don't really know how to budget, and have a lot of debt. It looked like much of the same information that was in the actual Money Makeover book, it just had quizzes and budget sheets and things for you to fill out for your particular situation. We have lived on a strict budget for a long time, and I feel like we are pretty good with our money, so I really didn't feel like this book was for me. I gave it 4 stars because I felt like it could really help those who need it, it just wasn't something I needed.
• 
  Alisha

  Companion workbook to The Total Money Makeover book
  
  I know that the information didn't really change from the book to this book, but there were exercises that I can work on and it would give me more of an insight to what my financials are now versus what they could be. It also goes those the seven baby steps, and gives you a few exercises to work on for that baby step. It's almost like helping you plan each baby step as you go along.
  
  I recommend this to anyone who has already the The Total Money Makeover book, and looking for more insight and maybe even planning throughout the baby steps.
• 
  Leah

  I loved this book. I had heard of Dave and his 7 baby step process but didn't know that much. This book really laid it all out for me and helped me have an amazing plan for my future. I think if anyone has a chance they could read this because once you do, your life with be changed for the better. Dave is hilarious and I love the way he wrote this book. It is a blessing to my fiance and I, and it has really helped us. I can't wait for us to meet Dave someday!
• 
  Michele Ann

  This is the better version of the Total Money Makeover because it involves the reader. The original book has similar content and some of other people's experiences but this one makes the reader thing about their personal finances and journey to financial freedom.
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  Natasha MacQuarrie

  I give this book 4.5 Stars. This book is very practical and easy to understand. Dave Ramsey doesn’t hold back. The debt crisis is our own fault but Dave doesn’t end it there he continues on and gives hope. You can overcome you debt but sacrifice is required. I highly recommend this book.
  
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  Javatis Midget

  This book transformed my financial life forever. I wasn't putting a dime away and was living check to check; after I read this book, I was inspired to do better for me and my family.
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  Brian Cassada

  Great book. Encouraging anecdotes and a proven process can help you achieve the financial goals that you have always dreamed about.
• 
  Travis Smith

  This book changed my family's lives. Thanks Dave
• 
  John

  (note: I have read this book in conjunction with The Total Money Makeover. This review is primarily for that book, but the same materials are mirrored between the two. The same absence in budget training is also in this book.)
  
  Dave Ramsey talks about gazelle-like intensity relating to the debt snowball. Go out of your way to make this happen as quickly as possible. I haven't seen much, however, on how to really make a budget work in the book. Yes, there is a small section discussing budgets and some worksheets, but I don't feel they are very well explained or demonstrated. This is my biggest critique of the Total Money Makeover.
  Once someone gets their bills paid off, switches over and gets their emergency fund at full power and pays off their home, what next? There’s discussion of retirement and life insurance and children and investments, but does the book go into how to keep yourself going day-to-day with a budget and a plan for progress once the debts are gone? Don’t get me wrong. I appreciate and am enthusiastic about following this plan. Ramsey’s tone switches to a more idyllic one as we get past debt. There is some talk about using financial counselors and planning, but I would like just a bit more here. It’s a small thing, in a way, because his mission is to get us to that point. I’ll be reading further to get through that “difficult” time of wealth when I get there.
  
• 
  Theresa

  I rounded this up to 4 stars for the advice though I was a little put off by the evangelical tone and scripture quoting. I'm happy for you if that's your thing, but it's not mine.
  
  I've always had an iffy relationship with money. My dad taught me that if you had $12 and you had a bill for $15 you might as well go out to dinner because you couldn't pay the bill anyway and somehow it would all work out. Needless to say, that didn't give me a strong foundation.
  
  I have 3 kids who will all be in college in a few years. More than that worry the fact that I'd almost paid off my credit cards a year or so ago and now am in way more debt than I should be made me pick up this book. I will follow his advice and work all the way through to step 6 - paying off the mortgage. By the time I get there, I hope I will be able to believe that I can.
• 
  Mary Elizabeth

  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
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  Greg13

  Great book by a great author and Pal. Me and him is tight like a speedo, went to his vacation home in Florida. He rolled a tight ole blunt and we chilled and drank Glenlivet 15. Son, i am telling you that it was off the hook. Dude made serious smoke rings and his wife was like, yo Greg you looking good. Lets do this.
  
  My man told me many things about paying off debt. One that sticks out is, "Only millionares can afford brand new cars"
  
  Pay cash and stop being a slave.
  Now where did i put my Nun-Chucks?
  
  
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  Sarah - All The Book Blog Names Are Taken

  I'm not really "done", but I have gone through the book and am starting with the steps and am so excited to finally be facing up to these debts that I do not need in my life - mainly those student loans that I wish I did not have, but on the other hand, I would not have the job I do without that Master's degree, so... I just plan to be able to pay cash for my daughter's education so she does not have to deal with this garbage of massive debt!
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  Amber Pond

  This book had good points, steps, and methods. It really is a good plan.
  
  However, the combination of rude tones, demeaning attitudes, alpha male, "you owe it all to god" delivery was just awful. I could only handle it in small segments without throwing my phone because of the reader/writer's delivery. Dave Ramsey is an a**hole, a correct one, but still an a**hole. Also, this book couldve been 1 hour long, but he makes you go through WAAAAY to much to get 1 tidbit of good info per chapter.
• 
  Hannah

  Well, this book clearly has very specific target audiense in mind: US citizens, living a certain lifestyle (having large debt, living paycheck to paycheck, probably consumeristic), maybe cristians. If you aren't really fitting into first 2 categories, some specifics from those exercises won't apply to you. But this book still have some interesting key points. However so far I like the book itself ("The Total Money Makeover ") more than this accompanying workbook.