The success stories speak for themselves in this audio book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health.

Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!"

The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.

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In this fresh, interactive guide, respected financial expert Dave Ramsey offers a proven, comprehensive plan for getting in shape financially.  The Total Money Makeover Workbook takes you one step closer to getting out of debt and achieving financial health. Against a playful backdrop of fitness terminology, Dave gives solid, hard-hitting advice and the hope and the how-to needed to turn goals into reality. The Total Money Makeover Workbook includes:

• Useful worksheets and forms
• Readable and informative charts and graphs
• The four factors that keep people from getting in shape financially

The Total Money Makeover Workbook is an essential resource for anyone desiring total financial fitness. Dave's no-nonsense, tell-it-like-it-is approach translates into results for those who diligently follow this complete action plan. Tens of thousands of people have already transformed their financial situation with Dave's advice, rooted in God's and Grandma's common sense. With The Total Money Makeover Workbook, countless others will be on their way to financial fitness.

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Aqui tiene una metodologia seria y directa para armar un presupuesto fuerte que usted puede seguir y soportar.
Las historias de exito hablan solas en este libro del maestro del dinero Dave Ramsey. En lugar de prometer la dosis normal de remedios rapidos, Ramsey ofrece un metodo atrevido y sensato para los asuntos de dinero, proveyendo no solo la manera sino tambien la esperanza arraigada que eleva el espiritu para salir de las deudas y alcanzar la salud financiera total. Ramsey desenmascara los muchos mitos del dinero (y asi expone los peligros del dinero en efectivo por adelantado, alquilar para ser dueno, consolidacion de deudas) y ataca las ilusiones y los descarados enganos del sueno estadounidense, el cual solo anima el exceso de gastos y las grandes cantidades de deudas.

La transformacion total de su dinero no es una teoria. Funciona todas las veces. Funciona porque es simple. Funciona porque llega al meollo de los problemas de dinero: usted.

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The bestselling author and nationally syndicated radio host of "The Money Game" has helped thousands through his 12-week financial planning program. His workbook format allows readers to frequently assess their progress and to face their situation honestly by using the questionnaires and fill-in charts throughout the book--the most valuable purchase a debt-ridden reader could ever make....

From the bestselling author of Financial Peace, this companion volume to More Than Enough is a step-by-step guide to building wealth while strengthening your marriage and family.

In Financial Peace, Dave Ramsey showed readers how to get out of debt. Now he uses the same blend of down-home wisdom and straight talk to take readers to the next step: building wealth. But success means more than money--it means having a happy marriage and family. In How to Have More Than Enough, Dave Ramsey guides readers down the path to true success.

Rather than gimmicks or quick fixes, Ramsey's method for achieving financial and familial stability focuses on ten traits essential to creating prosperity, teaching children about money, living debt-free, and achieving marital bliss when it comes to finances. His easy-to-follow workbook illustrates each of these traits and allows readers to frequently assess their progress and honestly evaluate their situation. How to Have More Than Enough offers readers and their spouses the chance to work toward building wealth and strengthening their families....

The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health.

Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!"

The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.

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Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.

In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:

* how to get out of debt and stay out
* the KISS rule of investing-"Keep It Simple, Stupid"
* how to use the principle of contentment to guide financial decision making
* how the flow of money can revolutionize relationships

With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace....

This quick and simple, question and answer book is the perfect resource for equipping individuals with key information about everyday money matters. Questions and answers deal with 100+ of the most-asked questions from The Dave Ramsey Show--everything from budget planning to retirement planning or personal buying matters, to saving for college and charitable giving. This is Dave in his most popular format--ask a specific question, get a specific answer.

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