• The Total Money Makeover

  • A Proven Plan for Financial Fitness
  • De : Dave Ramsey
  • Lu par : Dave Ramsey
  • Durée : 3 h et 41 min
  • Version abrégée Livre audio
  • Date de publication : 07/11/2003
  • Langue : Anglais
  • Éditeur : Thomas Nelson
  • 4.5 out of 5 stars (10 notations)

Prix : 17,22 €

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Description

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. It's the simplest, most straight-forward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies.

Where Financial Peace gave you the solid saving and investing principles, this book puts those principles into practice. You'll be exercising your financial strength every day and quickly freeing yourself of worry, stress and debt. And that's a beautiful feeling.

©2003 Dave Ramsey (P)2003 Thomas Nelson Publishers

Critiques

"The strength of this book is that it is a straightforward motivational tool. He provides the brutally direct truth about the hard work it takes to become free of debt, and his directness is a great part of the book's charm." (Publishers Weekly)

Ce que les membres d'Audible en pensent

Notations

Global

  • 4.5 out of 5 stars
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Performance

  • 4.5 out of 5 stars
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Histoire

  • 4.5 out of 5 stars
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Trier par :
  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Excellent

Excellent livre.Je recommande à toute personne qui souhaite sortir des problèmes financiers. vous ne regretterez pas votre achat.

  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Helps clearing/ understanding money problems

Helps clearing/ understanding money problems
You should give it a read .
Dave is good guy ! You can trust him (15 words done )

  • Global
    1 out of 5 stars
  • Performance
    1 out of 5 stars
  • Histoire
    1 out of 5 stars

Pas complet

Pour des raisons que j’ignore ce livre est la version super allégée du livre u même titre.

  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars

Très bon livre

Narré par Dave lui même ! Excellent guide sur comment gérer une vie financière, quoi faire avec l'argent et comment vivre une vie financière en paix !

Trier par :
  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Alexandra
  • 11/02/2014

This guy makes sense

I have business degrees from Wharton (BS) and Stanford (MBA), but like most Americans from middle class backgrounds, I never got much training in personal finance and always felt bewildered by it. I recently listed to The Total Money Makeover for the third time and it clicked. The first two times, I was still in school and had no income, so felt powerless to act on its lessons. Now, with a steady income (and some monstrous student loans) the lessons are relevant, actionable, and empowering.

Before, I always felt at a loss when it came to budgeting. After re-listening to The Total Money Makeover, I got a second savings account to hold my emergency fund and long-term savings, making it easier to separate between current accounts and short-term savings. Now, I have an Excel spreadsheet with a separate column for each upcoming pay check. I know how much of each paycheck will get immediately transferred into long-term savings (e.g. for a wedding in the fall), how much will go to short-term savings (e.g. for next month's rent), and how much disposable income I have in my current checking account.

Furthermore, I have a better plan for paying down my debts. If I were to approach this according to the pure net present value financial principles taught in school, I would start with my big student loan (highest interest rate), then my smaller student loan, then my car loan (lowest interest rate). After listening to Ramsey, I'm going to do it in the opposite order. Although that will cost me some in NPV, it means I can pay off my car loan in a few months (freeing up $250 per month in cash flow), and can pay off my smaller student loan in a few years. My larger student loan is the size and duration of a mortgage, and I'll treat it like it's one. If I tried to pay it off first, I wouldn't see any impact on my cash flow for probably 14 years, making it discouraging to try to find extra dollars to put towards paying down debt. Trying this the Ramsey way, I already feel like I'm making progress and am motivated to do more.

Dave Ramsey is an inspiring speaker. Although his message may come across as simple, in my opinion it does a far better job taking into account human nature than any of the sophisticated financial and economic models I spent so much money learning. I can't recommend this book enough.

184 sur 194 personne(s) ont trouvé cet avis utile.

  • Global
    4 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    4 out of 5 stars
  • Robert
  • 15/07/2012

Short and Easy Steps

Where does The Total Money Makeover rank among all the audiobooks you’ve listened to so far?

I would give a B-. Gets to the point, gives good metaphors and easy to follow.

What was one of the most memorable moments of The Total Money Makeover?

Metaphors used to describe steps or missteps are very memorable and applicable to most people.

What about Dave Ramsey’s performance did you like?

Voice and diction were probably best compared to what I have listened. Would expect good performance from professional speaker. Have heard some "funny" start/stops or paragraph breaks on other books. Probably start of new session or after break. Did not hear in Ramsey's performance, however this book is shorter than most. 3+ hours

Did you have an extreme reaction to this book? Did it make you laugh or cry?

No crying, definitely a few laughs. Mostly found myself quoting excerpts to others.

Any additional comments?

Religious overtones and bible quotes throughout book. However quotes in nature of "Saving" money and neither borrowing or lending; giving money OK. People describe me as Agnostic and this did not bother me. All in all good book, great performance. Enjoy

49 sur 52 personne(s) ont trouvé cet avis utile.

  • Global
    2 out of 5 stars
  • Performance
    3 out of 5 stars
  • Histoire
    2 out of 5 stars
  • Leala
  • 02/04/2017

Information available online

Total Money Makeover doesn't give any information that isn't already available on Ramsey's website. it just adds anecdotes about people succeeding with the method.

9 sur 9 personne(s) ont trouvé cet avis utile.

  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • BushidoBryan
  • 16/07/2012

maybe the best self help book ever

Would you recommend this audiobook to a friend? If so, why?

I have. I am a financial advisor and every high school kid, anyone who wants to be out of debt, and anyone without 6 months savings should read this book. It teaches real money mangement.

What did you like best about this story?

The step by step process to financial stability.

What about Dave Ramsey’s performance did you like?

He is truly passionate about what he does and is a motivating leader. I do not always agree with him, but he is right when it comes to managing money.

Was this a book you wanted to listen to all in one sitting?

Yes.

Any additional comments?

this is a must read and top ten book of all time for me.

24 sur 26 personne(s) ont trouvé cet avis utile.

  • Global
    3 out of 5 stars
  • Performance
    3 out of 5 stars
  • Histoire
    3 out of 5 stars
  • K. More
  • 31/05/2017

Probably good for beginners

The book is very basic and for beginners who are in high debt. Looking at the rating I was expecting some more knowledge out of it. Also the authors tone/pitch if his voice is very fluctuating.

7 sur 7 personne(s) ont trouvé cet avis utile.

  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Amazon Customer
  • 23/04/2012

Thank you

What made the experience of listening to The Total Money Makeover the most enjoyable?

I appreciate the insight offered in this book. The steps outlined are easy to understand. The scenarios offered were helpful.

5 sur 5 personne(s) ont trouvé cet avis utile.

  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Jason
  • 25/05/2012

Life changing!!!!

Listened 10 times an will listen again and again in future and so will you!!!

7 sur 8 personne(s) ont trouvé cet avis utile.

  • Global
    5 out of 5 stars
  • Matthew
  • 25/03/2005

Brash? Yes. Honest? Absolutely.

Some people have remarked that they don't like the tone of this book. If the author seems a bit "brash", it's only because he's attempting to highlight the level of insanity with which most people approach personal finance. Take a look around you. The guy you work with who just bought a new Hummer. Your sisters' friend who just moved into a $800,000 home. They must be doing great, right? WRONG.

The truth is, they're most likely broke. They're high-income, low-net-worth people who are teetering on the edge of complete financial ruin. Rich people, don't do these things!! Well, that is unless they're really really rich.

This book will change the way you think about money. When I see the guy in the new Mercedes now, I think, "Man, that guy has nothing in the bank". This book will make you proud of your old jalopy. After all, it's better to ACTUALLY BE RICH.

Most Americans WISH for financial security and DO everything they can to make sure it NEVER happens. I think this is a level of insanity that warrants a brash tone.

If your ready to get real about your finances, this is the only book you need to read.

64 sur 80 personne(s) ont trouvé cet avis utile.

  • Global
    2 out of 5 stars
  • Performance
    1 out of 5 stars
  • Histoire
    2 out of 5 stars
  • Amazon Customer
  • 22/09/2016

Very basic info delivered in an annoying tone

This book might be appropriate for a college age kid who knows absolutely nothing about money, I think it could be really good basic info....but I suggest not buying the audio version- unless you want to be belittled by angry infomercial voice man.

13 sur 16 personne(s) ont trouvé cet avis utile.

  • Global
    4 out of 5 stars
  • Performance
    3 out of 5 stars
  • Histoire
    3 out of 5 stars
  • avoidthelloyd
  • 30/12/2011

Very Motivational...

Even if you might not adhere to Dave's plan exactly, the idea of slavery to debt and freedom from it are very motivational. I feel like the examples he uses are real life people and he doesn't use terms or language that is reserved for finance professionals. It really is a good, practical plan for getting out of debt via hard work and perseverance. Even though his plan is not the best "mathematically", the point of getting some quick wins by paying off the lowest balance without regard to interest rate is a legitimate point. Honestly, you can hear most of the content of this book in his daily podcasts. I do recommend this book to people.

32 sur 41 personne(s) ont trouvé cet avis utile.

Trier par :
  • Global
    5 out of 5 stars
  • Performance
    5 out of 5 stars
  • Histoire
    5 out of 5 stars
  • Amazon Customer
  • 29/04/2018

Perfect book to rid you of debt.

I honestly didn't want this book to get to an end. 13 chapters is too short for all the knowledge and wisdom this book has to offer. I am totally going to give myself a total money makeover after listening to this. Thank you Dave Ramsey.

  • Global
    2 out of 5 stars
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    1 out of 5 stars
  • Histoire
    3 out of 5 stars
  • Nico
  • 30/12/2015

konnte es mir nicht bis zum Ende anhören...

Würden Sie es noch mit einem anderen Hörbuch von Dave Ramsey und/oder Dave Ramsey versuchen?

Nein, schrecklicher Lesestil.

Würden Sie The Total Money Makeover Ihren Freunden empfehlen? Warum oder warum nicht?

Nein.

Wen hätten Sie anstatt Dave Ramsey als Erzähler vorgeschlagen?

Tony Robbins

Was wäre für andere Hörer sonst noch hilfreich zu wissen, um das Hörbuch richtig einschätzen zu können?

Schrecklicher Erzählstil, richtig Ami prollig. Das Hörbuch von Tony Robbins - Money, Master The Game ist da um Welten besser.

3 sur 7 personne(s) ont trouvé cet avis utile.