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What Is Dave Ramsey’s Total Money Makeover Program?

Every year thousands (if not millions) of people vow to get their finances under control and finally become debt-free.

Many turn to financial guru Dave Ramsey’s and his principles.

If you’re new to the idea of being out of debt, budgeting or just to Dave himself, you might be wondering What Is Dave Ramsey’s The Total Money Makeover Program?

total money makeover

What Is Dave Ramsey’s Total Money Makeover Program?

Dave Ramsey’s Total Money Makeover Program is a seven-step plan that is laid out in Dave’s all-time bestselling book. The program is a money-saving, budget based program designed to help people tell their hard-earned money where to go to ultimately get people out of debt and into a better place both financially and spiritually.

In the book, Dave condenses his 20 years of financial teaching and counseling into 7 organized, easy-to-follow steps that will lead you out of debt and into a Total Money Makeover. Plus, you’ll read over 50 real-life stories from people just like you who have followed these principles and are now winning with their money. It is a plan designed for everyone, regardless of income or age.

With The Total Money Makeover, you’ll be able to:

  • Design a sure-fire plan for paying off ALL debt.
  • Recognize the 10 most dangerous money myths.
  • Secure a healthy emergency fund and save for retirement.
  • Positively change your life and your family tree!

Through the program, people learn how to budget, pay off debt and even save for the future when they utilize the very tactics that Dave Ramsey teaches and uses himself.

I personally read this book years and years ago and I’ll be honest, I’ve found myself living and breathing the principles, falling off the wagon and getting right back onto it.

I know this program works because when we work it, we see results. We see the debt being paid and gone forever.

This book is not only inspiring, it’s a WAKE UP CALL.

The call that we all don’t want tor receive but must answer.

Dave is the real deal. He will probably tell you things you don’t want to hear like that debt is dumb but it’s because it’s the truth.


Debt does not mean you are financially secure or you’re rich.

Debt actually means the opposite – that you’re poor. Too poor to pay for all those “things” with cash.


If you are in debt from medical bills, credit cards, student loans, car loans, divorce or really for any reason at all, you need this book.

It will change your life as long as you read it and work the principles.

You can get The Total Money Makeover Book Here.

envelope system with Dave Ramsey

So where am I at? 

Well, every month we use the envelope system. I actually bought the Financial Peace University Executive Envelope System and use that to budget our expenses. We have also saved $1,000 and now are working on paying off debt.

I cannot wait until we are to the point where we can purchase our first home and have that as our only debt (which we will work hard to really pay off quickly).

Aside from the book, I highly recommend the Dave Ramsey Financial Peace University it is a bit more expensive but it contains DVD’s and a ton of other things to help you get on track financially. I have also heard they do offer spanish captioning in case you or someone you know, needs it.

Trust me, if you invest in this course/book, it will change the way you see and handle money forever.

The idea behind Dave Ramsey’s Principles:

The basic idea behind this is that you are managing your money and watching where is goes by paying in cash. Most people use credit cards or debit cards to pay for things and we just aren’t as connected emotionally to our money when using plastic opposed to using paper. Therefore it helps us spend less.

I wanted to let you all know what I am doing in case you all are facing a huge debt cloud over your head.

If you are, spend $13 and get this book. It will change everything and give you some really great insight on money. I will also keep you guys updated with how things are going in the future while I am doing Dave Ramsey’s Total Money Makeover!

quote from dave ramsey's book