--- product_id: 72276669 title: "The Total Money Makeover: A Proven Plan for Financial Fitness" price: "VT5976" currency: VUV in_stock: true reviews_count: 7 url: https://www.desertcart.vu/products/72276669-the-total-money-makeover-a-proven-plan-for-financial-fitness store_origin: VU region: Vanuatu --- # Simple, actionable financial steps Set clear, achievable money goals Proven debt payoff strategy The Total Money Makeover: A Proven Plan for Financial Fitness **Price:** VT5976 **Availability:** ✅ In Stock ## Summary > 💸 Transform your money habits, live like no one else! ## Quick Answers - **What is this?** The Total Money Makeover: A Proven Plan for Financial Fitness - **How much does it cost?** VT5976 with free shipping - **Is it available?** Yes, in stock and ready to ship - **Where can I buy it?** [www.desertcart.vu](https://www.desertcart.vu/products/72276669-the-total-money-makeover-a-proven-plan-for-financial-fitness) ## Best For - Customers looking for quality international products ## Why This Product - Free international shipping included - Worldwide delivery with tracking - 15-day hassle-free returns ## Key Features - • **Debt-Free Blueprint:** Follow a step-by-step plan to eliminate debt with 'gazelle-like intensity'. - • **Build Lasting Wealth:** Learn to save, invest, and grow your money sustainably. - • **Mindset Shift for Success:** Adopt habits that turn financial overwhelm into confident control. - • **Community-Driven Motivation:** Join thousands transforming their finances with a proven system. - • **Financial Fitness Made Simple:** No jargon—just clear, practical advice anyone can implement. ## Overview Dave Ramsey’s 'The Total Money Makeover' is a bestselling financial guide offering a straightforward, proven plan to get out of debt, build savings, and achieve lasting financial freedom. With over 2,500 five-star reviews, it empowers readers with simple, actionable steps and a mindset shift that turns financial chaos into control. ## Description The Total Money Makeover: A Proven Plan for Financial Fitness [Dave Ramsey] on desertcart.com. *FREE* shipping on qualifying offers. The Total Money Makeover: A Proven Plan for Financial Fitness Review: First Step to Financial Success - This is a great book. The majority of financially successful people in the U.S. are frugal. Learning to be frugal, really learning the value of money, is what this book is all about. For those that are wasteful with money, like many NFL athletes or lotto winners, the majority lose their savings in the future. 88% of NFL athletes are broke five years into retirement. There are rules that govern money -- obey them and financial success will follow. Dave's book teaches each of us the rules. I think this book is the critical first step to financial success. After people have had time to apply the Total Money Makeover, they must learn to invest wisely. That is step two. Dave stresses the importance of investing in mutual funds. Mutual funds are great, particularly low-cost funds (think Vanguard, Fidelity), but I would consider adding hard assets as well. Rental properties and tillable farmland are assets that are not too difficult to understand and will generate cash flow indefinitely. Just owning one duplex and one farm over a lifetime would provide two other sources of income. I think investing in stocks is important, but I believe it is wise to hold several types of assets. Some straightforward books that help to simplify investment ideas -- The Little Book of Big Dividends by Charles Carlson, and the Millionaire Real Estate Investor by Gary Keller. As for learning about farm land, Farm Credit can be an excellent resource. To find local land values, contact a local auctioneer. You can get a list of recent sales prices. You can also probably find a local person who has experience with rental properties or land. Many people will share information with you when you are just trying to learn. When buying rentals or land, always have the sales contract reviewed by your attorney prior to signing. It's a small fee that can save you thousands of dollars. Also, many local libraries carry the Value Line Investment Survey. It's simply the best source of information on stocks. It also contains 4 model portfolios that you can follow. The Wall Street Journal and Barron's are also great resources. Visit the library and learn for free. Building wealth takes time and effort, just like everything else. The Total Money Makeover is the first and most important step. Review: GREAT BOOK FOR THOSE WHO ARE NOT BUDGET SAVVY! - I cannot completely disagree with the people who have given this book 2, 3, and 4 stars. This book truly does state the obvious. I started from the introduction and Mr. Ramsey definitely highlights that a lot of what is in this book has already been preached by other "experts" and the vast majority of what he puts out there is common sense for a great many people. These are all points that have been argued by those who are not so pleased with the book. I figured it behooved me to point that out just in case anyone read my review anticipating the reasoning behind my giving this book five stars had to do with some amazing new revelation of how to save money. You could probably place me in the category of the people who know what to do and how to go about doing it, but never ACTUALLY do it. Am I uncormfortable? Not at all. I have a respectable job with very fair compensation, and my wife does well too. However, we have also done well to accumulate debts over time: many of the debts are as old as our relationship (which is pretty young...six years). It wasn't until recently that I realized something. While we have money saved aside for the imminent rainy day, we could be doing so much better if we were saving without the concern of applying those savings to our debt. Like I said, for many of you this is obvious. I was in denial for quite some time. I didn't want to admit that I was horrible with money because I didn't want to sacrifice control of my own money. When I came across this book, I did research on the author, and determined that this would be a solid investment. Upon reading the first few pages, I was immediately hooked! The part that got to me the most was looking in the mirror and realizing where our financial woes were originating from. I know, it sounds like a 12 step program: it kind of is! It's a program for binge spenders! I realized that I was financially intoxicated, or financially overweight (Mr. Ramsey correlates the Total Money Makeover with working out...pretty good tie-in considering that I need to get in shape too!). I probably could have finished this book in a day if it wasn't for my obligations to work and family. Instead it took two whole days to get this book finished! Since then (four days ago) I have already created an Excel sheet listing all our debts from smallest to largest, and have created an allocated spending plan for our upcoming paychecks in two weeks. The first step is to come up with $1,000 dollars, but we already have that covered, and are prepared to get a head start on our debt snowball by depleting our savings accounts. I have even set a target date for us to be debt free. While I read the whole book, I sometimes think I should have stopped reading at baby step 2, which deals with clearing your debt. I don't necessarily want to get ahead of myself. Anyway, the point of this review is simple: it is not so much knowing what it takes to clear your debts and live a life of financial freedom; it is about DOING what it takes with a "gazelle like intensity". Again, there are no crazy new revelations or revolutionary ideas. Mr. Ramsey makes no claims to being an expert. He simply puts out what everyone already knows. Besides, it's also good to know that he was in a position - becoming rich, filing for bankruptcy, only to become wealthy again - to employ these methods. As with any other review, take mine with a grain of salt. Determination and sacrifice will ultimately lead to true freedom in the future. "If you will live like no one else, later you can live like no one else." Awesome and uplifting read. ## Technical Specifications | Specification | Value | |---------------|-------| | Best Sellers Rank | #173,474 in Books ( See Top 100 in Books ) #535 in Budgeting & Money Management (Books) #620 in Finance (Books) | | Customer Reviews | 4.7 4.7 out of 5 stars (2,544) | | Dimensions | 1.2 x 9.3 x 11.02 inches | | Edition | 3rd | | ISBN-10 | 159555078X | | ISBN-13 | 978-1595550781 | | Item Weight | 1.68 pounds | | Language | English | | Print length | 259 pages | | Publication date | January 1, 2009 | | Publisher | Thomas Nelson Inc | ## Images ![The Total Money Makeover: A Proven Plan for Financial Fitness - Image 1](https://m.media-amazon.com/images/I/81eZreGzdRL.jpg) ## Customer Reviews ### ⭐⭐⭐⭐⭐ First Step to Financial Success *by J***S on April 19, 2010* This is a great book. The majority of financially successful people in the U.S. are frugal. Learning to be frugal, really learning the value of money, is what this book is all about. For those that are wasteful with money, like many NFL athletes or lotto winners, the majority lose their savings in the future. 88% of NFL athletes are broke five years into retirement. There are rules that govern money -- obey them and financial success will follow. Dave's book teaches each of us the rules. I think this book is the critical first step to financial success. After people have had time to apply the Total Money Makeover, they must learn to invest wisely. That is step two. Dave stresses the importance of investing in mutual funds. Mutual funds are great, particularly low-cost funds (think Vanguard, Fidelity), but I would consider adding hard assets as well. Rental properties and tillable farmland are assets that are not too difficult to understand and will generate cash flow indefinitely. Just owning one duplex and one farm over a lifetime would provide two other sources of income. I think investing in stocks is important, but I believe it is wise to hold several types of assets. Some straightforward books that help to simplify investment ideas -- The Little Book of Big Dividends by Charles Carlson, and the Millionaire Real Estate Investor by Gary Keller. As for learning about farm land, Farm Credit can be an excellent resource. To find local land values, contact a local auctioneer. You can get a list of recent sales prices. You can also probably find a local person who has experience with rental properties or land. Many people will share information with you when you are just trying to learn. When buying rentals or land, always have the sales contract reviewed by your attorney prior to signing. It's a small fee that can save you thousands of dollars. Also, many local libraries carry the Value Line Investment Survey. It's simply the best source of information on stocks. It also contains 4 model portfolios that you can follow. The Wall Street Journal and Barron's are also great resources. Visit the library and learn for free. Building wealth takes time and effort, just like everything else. The Total Money Makeover is the first and most important step. ### ⭐⭐⭐⭐⭐ GREAT BOOK FOR THOSE WHO ARE NOT BUDGET SAVVY! *by J***S on August 22, 2012* I cannot completely disagree with the people who have given this book 2, 3, and 4 stars. This book truly does state the obvious. I started from the introduction and Mr. Ramsey definitely highlights that a lot of what is in this book has already been preached by other "experts" and the vast majority of what he puts out there is common sense for a great many people. These are all points that have been argued by those who are not so pleased with the book. I figured it behooved me to point that out just in case anyone read my review anticipating the reasoning behind my giving this book five stars had to do with some amazing new revelation of how to save money. You could probably place me in the category of the people who know what to do and how to go about doing it, but never ACTUALLY do it. Am I uncormfortable? Not at all. I have a respectable job with very fair compensation, and my wife does well too. However, we have also done well to accumulate debts over time: many of the debts are as old as our relationship (which is pretty young...six years). It wasn't until recently that I realized something. While we have money saved aside for the imminent rainy day, we could be doing so much better if we were saving without the concern of applying those savings to our debt. Like I said, for many of you this is obvious. I was in denial for quite some time. I didn't want to admit that I was horrible with money because I didn't want to sacrifice control of my own money. When I came across this book, I did research on the author, and determined that this would be a solid investment. Upon reading the first few pages, I was immediately hooked! The part that got to me the most was looking in the mirror and realizing where our financial woes were originating from. I know, it sounds like a 12 step program: it kind of is! It's a program for binge spenders! I realized that I was financially intoxicated, or financially overweight (Mr. Ramsey correlates the Total Money Makeover with working out...pretty good tie-in considering that I need to get in shape too!). I probably could have finished this book in a day if it wasn't for my obligations to work and family. Instead it took two whole days to get this book finished! Since then (four days ago) I have already created an Excel sheet listing all our debts from smallest to largest, and have created an allocated spending plan for our upcoming paychecks in two weeks. The first step is to come up with $1,000 dollars, but we already have that covered, and are prepared to get a head start on our debt snowball by depleting our savings accounts. I have even set a target date for us to be debt free. While I read the whole book, I sometimes think I should have stopped reading at baby step 2, which deals with clearing your debt. I don't necessarily want to get ahead of myself. Anyway, the point of this review is simple: it is not so much knowing what it takes to clear your debts and live a life of financial freedom; it is about DOING what it takes with a "gazelle like intensity". Again, there are no crazy new revelations or revolutionary ideas. Mr. Ramsey makes no claims to being an expert. He simply puts out what everyone already knows. Besides, it's also good to know that he was in a position - becoming rich, filing for bankruptcy, only to become wealthy again - to employ these methods. As with any other review, take mine with a grain of salt. Determination and sacrifice will ultimately lead to true freedom in the future. "If you will live like no one else, later you can live like no one else." Awesome and uplifting read. ### ⭐⭐⭐⭐⭐ Review *by C***. on August 23, 2015* This book really has changed my life. Before reading Dave's book I had never made a budget before and always just spent on what I wanted not what I needed. After reading this book I set a budget stuck to it and have now paid off £7000 on credit cards, have savings for the first time ever and am working on saving for a deposit on a house. I would recommend this book to everybody as I believe there isn't anybody who wouldn't benefit from reading it and using the principles in this book. --- ## Why Shop on Desertcart? - 🛒 **Trusted by 1.3+ Million Shoppers** — Serving international shoppers since 2016 - 🌍 **Shop Globally** — Access 737+ million products across 21 categories - 💰 **No Hidden Fees** — All customs, duties, and taxes included in the price - 🔄 **15-Day Free Returns** — Hassle-free returns (30 days for PRO members) - 🔒 **Secure Payments** — Trusted payment options with buyer protection - ⭐ **TrustPilot Rated 4.5/5** — Based on 8,000+ happy customer reviews **Shop now:** [https://www.desertcart.vu/products/72276669-the-total-money-makeover-a-proven-plan-for-financial-fitness](https://www.desertcart.vu/products/72276669-the-total-money-makeover-a-proven-plan-for-financial-fitness) --- *Product available on Desertcart Vanuatu* *Store origin: VU* *Last updated: 2026-05-16*