Total money makeover workbook pdf 2025

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The basic message of the book is to live below your means, dont take on debt, and be disciplined. I love this message and think it is a great recipe for success. However, the recommended paths to accomplish financial freedom are definitely not the most efficient and in some instances the advice is outright dangerous.
The Total Money Makeover by Dave Ramsey This book is at the top of the list.
At a pace averaging 250 words per minute, this book will take 4 hours and 32 minutes to read.
The seven baby steps are: Save a $1,000 beginner emergency fund. Get out of debt using the debt-snowball method. Save a proper emergency fund that is 3-6 months of expenses. Invest 15% of household income for retirement. Save for childrens college. Pay off the home early. Build wealth and be generous.
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