Dave Ramsey teaches how to get out debt and stay out. His unique way of writing keeps the reader interested throughout the book. I plan to reread many times.
Sheri
When Money Is a Mess, This Is Where to Start
Learn the proven plan that helps everyday people
get out of debt and stop living paycheck to paycheck.
How to Get Out of Debt and Stop Living Paycheck to Paycheck Starting Today
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10M+
Lives Changed
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#1 Bestseller
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20+
Years of Results
Feeling Overwhelmed With Your Money?
You’re Not Alone.
You don’t need to have it all together. You just need a clear way to learn what actually works. The Total Money Makeover will teach you the proven plan and help you take your first step with confidence.
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Beat Money Stress
Over half of Americans stress about money daily. But among those following a clear financial plan, it’s just 37%.
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Ditch Worry
Worry fades step by step—45% feel it in Baby Step 1 and only 7% in Baby Step 7.
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Boost Your Confidence
90% of people following this proven plan said they believe they can overcome their money challenges.
Read the Study
Feeling Overwhelmed With Your Money?
You’re Not Alone.
You don’t need to have it all together. You just need a clear way to learn what actually works. The Total Money Makeover will teach you the proven plan and help you take your first step with confidence.
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Simple Plan
Learn the 7 Baby Steps.
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Easy Read
Finish in less than a day.
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Proven Advice
It’s helped millions get out of debt over the last 20+ years.
What You’ll Get With The Total Money Makeover
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Hope
Believe you can win with money.
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Clarity
Know exactly what to do next.
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Simplicity
Get one proven path that works.
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Confidence
See quick wins and long-term change.
Start with a Free Chapter!
Ready to take control of your money?
Get the first chapter of The Total Money Makeover—completely free.
The Proven Plan to Take Control of Your Money
The 7 Baby Steps are the simple, step-by-step plan to help you pay off debt, save for emergencies, and build lasting wealth. It’s helped millions of people go from broke to confident—one step at a time.
Baby Step 1
Save $1,000 for your starter emergency fund.
Baby Step 2
Pay off all debt (except the house) using the debt snowball.
Baby Step 3
Save 3–6 months of expenses in a fully funded emergency fund.
Baby Step 4
Invest 15% of your income for retirement.
Baby Step 5
Save for your children’s college fund.
Baby Step 6
Pay off your home early.
Baby Step 7
Build wealth and give.
Why This Works—Even if You’ve Tried Everything Else
· No complicated math or jargon
· Clear, step-by-step guidance you can actually follow
· Builds quick wins so you gain momentum
· Works no matter your income, background or starting point
When you’re overwhelmed with money, finding clarity and confidence changes everything.
Real Stories. Real Results.
The Total Money Makeover is a game changer for anyone serious about taking control of their finances. Ramsey’s no-nonsense, step-by-step approach to getting out of debt and building wealth is both practical and motivating.
Mackenzie
This book is changing the way that my wife and I handle our finances. Before reading it, we had no plan whatsoever for our money, so the same way it would go in, it would go out.
We feel confident that, using the system outlined in the book, we will be able to pay off our debt and have lasting financial success!
Oscar
Whether you make $40,000 a year or $400,000, Dave Ramsey gives you easy, practical ways to make your money go further. He gives a very simple strategy for getting out of debt, and saving money. His information is very useful!
Kathryn
One of the best (or maybe even THE BEST) financial books out there. Simple steps, common sense advice, and psychological tips to help you get and STAY debt free. I highly recommend it to anyone and everyone!
Tori
Frequently Asked Questions
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Who is this book for?
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A: The Total Money Makeover is for everyday people who feel stuck in debt or confused about money—and want to learn a clear plan to move forward.
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Do I have to be good with money for this to work?
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Nope. Most people who start this plan didn’t grow up learning how money works—and they didn’t feel “good at money” either. That’s exactly why this book exists. It gives you a simple, step-by-step plan that makes sense, no matter where you’re starting.
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How long does it take to see results?
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A: Once you learn the plan, you’ll start to see money differently—and that clarity alone is a game-changer. Many people see real progress in 12–24 months. When you're ready to go from knowing to doing, EveryDollar makes it simple to put the plan into motion—without the stress.
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Does this work if I’m already in debt?
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A: Absolutely. This is the perfect starting point if you’re in debt. It’s designed to help you learn the plan—so you can finally understand where to start, what to do next, and how to get traction with your money.