Dave Ramsey - The Total Money Makeover Workbook: Classic Edition: The Essential Companion for Applying the Book’s Principles

Contents

Other Books by Dave Ramsey

Dave Ramseys Complete Guide to Money

EntreLeadership

Financial Peace Revisited

More Than Enough

Smart Money Smart Kids

The Total Money Makeover

The Legacy Journey

2018 by Dave L. Ramsey III

All rights reserved. No portion of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any meanselectronic, mechanical, photocopy, recording, scanning, or otherexcept for brief quotations in critical reviews or articles, without the prior written permission of the publisher.

Published in Nashville, Tennessee, by Nelson Books, an imprint of Thomas Nelson. Nelson Books and Thomas Nelson are registered trademarks of HarperCollins Christian Publishing, Inc.

Thomas Nelson titles may be purchased in bulk for educational, business, fund-raising, or sales promotional use. For information, please e-mail SpecialMarkets@ThomasNelson.com.

Scripture quotations are taken from the New King James Version. 1982 by Thomas Nelson. Used by permission. All rights reserved.

Epub Edition November 2017 ISBN 9781400207473

ISBN 978-1-4002-06506

ISBN 978-1-4002-07473 (eBook)

Printed in the United States of America

18 19 20 21 22 LSC 5 4 3 2 1

Ebook Instructions

In this ebook edition, please use your devices note-taking function to record your thoughts wherever you see the bracketed instructions [Your Notes]. Use your devices highlighting function to record your response whenever you are asked to checkmark, circle, underline, or otherwise indicate your answer(s).

Information about External Hyperlinks in this eBook

Please note that footnotes in this ebook may contain hyperlinks to external websites as part of bibliographic citations. These hyperlinks have not been activated by the publisher, who cannot verify the accuracy of these links beyond the date of publication.

Key Concept #1

No Money... Is No Fun

I remember the feelings vividly. For several years in my twenties, I faced the end of every month with dread. I had too much month left at the end of my money. I was not having fun.

I wasnt afraid of hard work and sacrifice. I didnt need a secret formula for making money. I didnt need a positive-thinking guru to pump me up and tell me to have a positive attitude. I was simply sick and tired of being sick and tired when it came time to do the bills. I felt hopeless, as if I were running a financial race with no traction and no ground covered. Money came in and money went out, with nothing realto show for my effort or income.

What About You?

Do you feel as if you have full control over your money... or are your bills controlling you? The amount of control you have over financial matters is often reflected in how you feelabout money matters in general.

The same thing is true, of course, when it comes to any area of your life in which a makeover might be needed.

If you are in very bad healthor your physician tells you that certain numbers in your lab reports and exams are abnormalyou may become highly motivated to undertake a new exercise, diet, or better-health plan. If your spouse tells you the end of your marriage is on the horizon, you may become highly motivated to seek out a counselor to help you revamp the way you relate to your spouse and to improve your marriage. Theres a feeling that hits the pit of your stomach when you finally wake up and say to yourself, Somethings got to change! I cant continue to live this way... the fact is, to continue this way isnt really living. Its just existing, enduring, putting in the time and the miles and hoping I end up somewhere I like.

Before you are truly willing to embark on a Total Money Makeover, you need to face up to how you feel about your current financial situation. That will tell you how motivated you are to do something about changing your financial situation.

Plain and simple, if you like your current financial situation, you probably feel pretty good about money matters, and you dont need a makeover.

On the other hand, if you dontlike your current financial situation, you probably feel pretty lousy about your finances.