The Total Money Makeover Updated and Expanded A Proven Plan for Financial Peace

You're an eight time bestselling author, including Total Money Makeover, the book that changed my life.

The second one was total money makeover. That was the second one. It was actually the third one technically, but yeah.

We read the total money makeover, went to a class through our church.

Is that where your book, The Total Money Makeover is now?

It's done. It has done 8 million. I've sold 20 million total of all the titles.

Oh my God. That's insane. I mean, that book is so popular.

I know you published it, oh, I don't know, going on 20 years ago now. And it's still always on the bestseller list.

Just a couple of years ago, it was number four on the journal's hardcover business.

Just last week blew through Total Money Makeover in just like two days and it really spoke to me.

I had picked up the book, the total money makeover. I read it and we had talked about it. She listened to the audio book.

Hang on the line. We'll send you a copy of Total Money Makeover and help you on your journey. Best of luck to you, brother.

We went through financial peace we followed the baby steps.

And I remember she had read it and she really loved it. And I was like I don't know Amanda read this book. So I knowing I was broke went to the library got the book off the shelf and read it in a day and came to Mike and I was like oh man we really we could have considered doing this.

The book The Total Money Makeover is now 20 years old. It's old! But you know what? The interesting thing is the law of gravity worked 20 years ago and the law of gravity works today. Common sense is still common sense and it is still marketable. But we went through, updated all the statistics and tuned up the stories and got some things in there for you. Plus we put in a little code in there so you can get an every dollar premium for free for three months. So go pick up the brand new version of The Total Money Makeover. I think this is the first or the fourth time we've done a makeover on The Total Money Makeover. So it's apropos, right?

So you go check it out at RamseySolutions.com slash store or anywhere great books are sold. The Total Money Makeover 20th year anniversary edition.

The Total Money Makeover 20-year you know anniversary edition financial piece yes you go through that question I'll answer your question yeah what we're bank but when I went through bankruptcy honey it wasn't a fun and I decided what caused it it was borrowing money that caused it I had a lot of reasons for borrowing money but then the day very few people file bankruptcy that are debt-free this is the Ramsey show hey

Well the book that taught everybody the baby steps is called the Total Money Makeover.

So for less than a movie ticket or a few drinks at Starbucks you can invest in changing your life. Go to RamseySolutions.com get the new anniversary edition of the Total Money Makeover it includes three months of the premium version of every dollar.

So when we first started dating, this was about March of 2020, we were sitting-

And he had these floating shelves and he had your Total Money Makeover book on the shelf.

And we're just sitting there just hanging out and all of a sudden, the book falls off the shelf. Like true story.

So really cool. The spirit of George pushed the book off the shelf. Read this.

Well, we did. We read the entire book in one day.

We watched them. We started budgeting but we didn't change any of our behavior.

He thought it was like a cool movie.

Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!

I believe the success of this book is all about the hero stories.

People who felt overwhelmed and stuck until they found the least complicated money book they ever read and learned how to work the plan and actually build wealth.

Go to RamseySolutions.com to get the Total Money Makeover 20th Anniversary Edition and become one of the new Total Money Makeover heroes.

Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!

Join Dave, me, Jade and all the Ramsey personalities for seven days in a boat.

Seven days at sea March 22nd through the 29th, 2025.

It's going to be straight chaos for those of you who are baby step four and above the ultimate debt-free celebration.

If you want to hear the craziest stories you've ever heard, let's chop it up at dinnertime and I'll tell you, but you have to go on the cruise in order to hear it.

Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!

Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!

The Total Money Makeover 20th Anniversary Edition is now here.

I believe the success of this book is all about the hero stories. People who felt overwhelmed and stuck until they found the least complicated money book they ever read and learned how to work the plan and actually build wealth.

Go to ramseysolutions.com slash store to get the Total Money Makeover 20th Anniversary Edition and become one of the new Total Money Makeover heroes.

The Total Money Makeover, it's helped over 10 million people pay off debt and build wealth. I'm one of those people, George, you're one of those people.

The simplest, most effective, most straightforward proven plan to change your finances.

You can solve your hardest problem with the least complicated money book you've ever read.

It's not complex. Anybody can read this and go, oh, I get it.

It is for regular everyday people. You will understand it. There's not a bunch of lingo or jargon inside of it.

The Total Money Makeover has updated and expanded the statistics because those change over time. Advice on mortgages, car loans, investing for retirement, paying for college, buy now pay later.

So it's updated in today's terms with today's stats and everything like that.

If you like audio books, Dave himself, the big eagle himself has rerecorded the Total Money Makeover audio book.

So it's fresh, love it.

Plus every book includes three months of every dollar premium for free. If you don't know what every dollar is, you've been under a rock.

It's the best budgeting app that's out there.

So you get three months free with that. So go to ramsysolutions.com slash store to get the Total Money Makeover 20th anniversary edition.

So you can become one of the millions who've said goodbye to debt and who've built wealth. 20 years worth of success stories, George.

So that's 3,800, you would attack, you would knock out a few credit cards just like that, which frees up a payment. Do you see how the snowball starts rolling?

So if you're following the baby steps, which we're going to send you with Financial Peace University to walk you through this, baby step one is 1,000 bucks. Anything beyond that needs to go toward your consumer debt.

I mean, I've read your book when I was 10 years old 11 years ago, you know.

Total money makeover?

Total money makeover, yeah.

I was calling because I have started reading the Total Money Makeover and I'm wanting to get started on my baby steps, but I'm having a hard time with my budget getting started.

Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!

I had heard of Dave, you know, prior to that and, and you know, some of it sounded pretty cool, but I thought I was smarter. So, you know, mortgage guy. So, you know, but you know, we just, we'd had our, you know, I had it moment and we also had a situation.

I read the book and listened to the podcast quite a bit and we chatted about it, you know, probably four or five years earlier than that. And we kind of did, I don't know what you'd call it Dave-ish, but we did Dave a little bit.

I believe the success of this book is all about the hero stories. People who felt overwhelmed and stuck until they found the least complicated money book they ever read and learned how to work the plan and actually build wealth.

Go to Ramsey solutions.com slash store to get the total money makeover 20th anniversary edition and become one of the new total money makeover heroes.

But he said, well, Dave doesn't say that it's a bad thing to have a mortgage.

And I said, it's not a bad thing to have a mortgage, but if we did some remodeling to this house here that is debt-free, which would cost about $80,000, we would be debt-free.

And we are now celebrating the 20th anniversary of the Total Money Makeover.

And so the Total Money Makeover's had yet another makeover.

So there we go. And of course, number one bestselling, gosh, over a thousand weeks it's been on the bestseller list now.

Pretty crazy. 10 million of these puppies sold.

Not a bad graduation gift there.

And of course, we've just launched the 20th anniversary version of the Total Money Makeover over 10 million of these sold now.

And the 20th anniversary edition just came out of the total money makeover over 10 million copies sold.

That means over 10 million people have gotten a total money makeover.

Been a graduate gift for a long, long time.

So the book, that was the whole thing.

Total Money Makeover book and this listen to the radio.

We just started doing the envelopes and paying everything with cash.

she wants to just start paying it off and i don't understand that because like i save the money you know like i mean we have a pretty small budget compared to our income and i saved pretty well and what we save is earning pretty good interest right now and she's wanting to pull like money out of saving but earning money to pay this car off early and i can't understand that and then she wants to start paying the house off and the house is financed at two and a quarter so crazy woman who's she been listening to this is madness

i would gift you guys financial peace university and i want you to watch it together i think your wife will be so excited jeremiah you'll have a great weekend let me just tell you if you just say babe instead of netflix let's watch let's watch these lessons uh she'll love it but really these are nine lessons and again you could just get through three of them this weekend if you want but we really do map out and it's not just an argument for argument's sake of like oh get on our side and be debt free but there's reason for it jeremiah not just from an emotional standpoint like we talked about but there is a financial benefit that instead of supporting ford motor company you're supporting yourself you're putting money back you're using your income which is your largest wealth building tool for you and your family versus paying for for everybody else and so um we've just found this weird way of thinking it frees a lot of people in so many ways

So gang in 2003 we launched a book called The Total Money Makeover late 2003 So it's 20 years old We're celebrating with the 20 year anniversary the 20th anniversary edition of The Total Money Makeover The humorous thing is The Total Money Makeover has had several makeovers This is the I think fifth revised edition over the years And it's now over 10 million copies have been sold and or given away out there that are helping people It's the simplest most straightforward and proven plan to change your finances It's been working since Taylor Swift started her career What She was brand new in 2003 She was a teenager I'm so proud of you How did you know this The iPhone was not going to be out for two years Oh you Googled the year and found all the important things Of course I did And T-Swift was there Okay I was like how did you know The iPhone was not going to be here for two more years when this came out So just think of all the other things Some of you weren't born yet when this thing came out It's 20 years old I mean oh my gosh So there you go Or at a minimum you were running around in your little pampers So there you go Name Taylor Swift's first song Dave I can't Was that a song No that wasn't it Tim McGraw That's fine Tim McGraw was the name of the song Mm-hmm Oh that's great Okay And now we understand how she's successful Okay RamseySolutions.com slash store Get the total money makeover 20th anniversary edition All kinds of goodies there And you get the EveryDollar premium for free in there So scan the QR code and get signed up for EveryDollar when you're looking at the brand new version of the old book This is the Ramsey Show

Hey folks the Total Money Makeover 20th Anniversary Edition is now here I believe the success of this book is all about the hero stories people who felt overwhelmed and stuck and they were overwhelmed and stuck until they found the least complicated money book they ever read and learned how to work the plan and actually build wealth go to ramsey solutions dot com slash store to get the Total Money Makeover 20th Anniversary Edition and become one of the new Total Money Makeover heroes

Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!

The Total Money Makeover, is 20 years old this year.

And this book came out and wow.

And so we're celebrating.

The interesting thing is the Total Money Makeover has had several makeovers through the 20 years.

So I started binging the show and listening to other people's debt-free screams.

Now he can afford to say, now I could afford the book. So I love it.

I bought the total money makeover. I read it.

I think we really need to do this for, for my sanity at least. But I think for our future as well.

And then I read the book and I said, I guess we can try it. Let's let's, let's go. And yeah.

Of course, the Total Money Makeover, Dave's bestselling book, it's helped more than 10 million people get out of debt and build wealth.

The Total Money Makeover is celebrating its 20th year.

We're going to be announcing that formally soon, and we're just under 10 million of these have been sold.

And of course it's on sale for you graduates at ramseysolutions.com.

Be sure and check it out.

We pulled the old book off the shelf because the book went through eight different moves with us. And never read it.

Which one? Total Money Makeover?

Total Money Makeover, America's coaster on your coffee table.

How about this? The Total Money Makeover, Dave's all time bestselling book. It's helped more than 10 million people get out of debt and build wealth.

And it was about that time um it was a god thing and it it pointed me in the direction of total money makeover uh was it was the book i found uh with a guy from tennessee that i'd never heard of read the book um cover to cover and uh right about that time i started talking non-stop to julie about you and your book and your principles and then right at that time um our church was offering a class and so we took it and we we got into it but it and we knew we wanted our kids not to make the same mistakes we had so while we were starting to pay off that it wasn't with the gazelle intensity that you talk about but then they asked us to teach the generation change course so we taught that twice and um all our kids took it and and rachel is married to john and they paid off their their debt with you a few months ago um but then it wasn't until we took we did that and then we started teaching the adult class we've taught it five times financial pension versus yeah okay and that's what really made us get gazelle intensity you don't have a choice if you're teaching it you gotta go do it we need to be the example and that's what's done it that guy that got it going hard absolutely that was the accountability thing it was like you're teaching the class and you're making good friends in your church and you're leading by example it's no longer just uh you know we're gonna try a little bit to this we're we're going full go and and this is a testament to those people that have been in the class that if you stay with it you stay with the program you do all aspects of it 100% you're gonna get there yeah

And so we talked about that with our our fellow church members that we needed to set up our budget that way where we're giving was the first thing we did you know the tithe to the church um and then we felt like with that then you just you just think started a snowball after that I mean just like with the debt snowball where we could go and say every month we're going to sit down do our budget you know come up with our plan and it's just it's it's being on the same page it's it's working together it's having that intensity that you know like you've said in your books in your videos you know you you need to sacrifice now and and you're going to benefit in in the long run and we feel like that's where we've benefited now with you know we have our oldest daughter is married and she's married to to john who works here at ramsey and they did their debt free screen back in october and our middle daughter she's engaged now and when when her her boyfriend came to me and asked for permission to ask her to be married I said sure you need to be the second person that takes fpu um as well so he was the second one that did that and I feel like that's where we now have given that um that same kind of passion toward our kids and and how they're going to live their own lives with money very cool

I purchased the total money makeover book and I want to say thank you very much for that it has totally transformed my life and how I handle money.

I'm going to go buy the total money makeover and breaking free from broke and go, hey, I'm reading this book. It'd be really fun if you guys are open to it. I'd love to read it with you guys and we talk about it.

Ever since I've very first rode a book called Financial Peace, people have been picking it up and going, why don't they teach this stuff in the high schools?

And so he was all about it, but I was A little bit hesitant to get on the budget thing. I was kind of like really want me to do a budget. But it has actually been freeing because it's allowed us to Communicate better, you know, the spending is easier when he knows what we're gonna spend it on yeah.

And then two years after getting married Our in-laws gave us a book for Christmas the total money makeover.

We had your books sitting on our shelf for three months, the total money for a long time, the total money makeover.

And we started to read it probably three or four years prior because we wanted to change things but we didn't think we had a big enough problem when we dove into it.

Well God put it on our hearts at the beginning of last year that we could we could change it.

The book was staring us in the face so picked it up and read it within a couple of days, started really listening to the podcast and watching you on YouTube.

I'm gonna give you a copy of the book the total money makeover.

If you've taken Financial Peace University you know how life-changing it is and there's no better way to share that hope than by leading an FPU class at your church because right now someone you know in your church is struggling bad.

I had this little ten dollar book I was starting to sell to a financial piece out of the trunk of my car and I was doing some one-on-one coaching and um I was thinking about starting a class that later became known as Financial Peace University

I'm gonna send you a book called the total money makeover that's gonna walk you step by step through how to apply biblical financial principles to your situation.

And a lot of you are probably familiar with the book, Total Money Makeover.

It's kind of what started all of this.

It's a process to get your life and your money together.

It works through the series of baby steps.

It's what we teach on every single day and in day out here at Ramsey Solutions.

If you're new to it check out total money makeover get to Ramsey Solutions dot com click get started right there you're gonna get to see where you are in the process.

I just got a hold of the total money makeover about two weeks ago and I finished it.

Although making money in my head. I'm not after reading your book. I'm really changed my my process good you're right on track man. Yeah, cuz you need you need sixty five thousand dollars and you make a hundred and ten yeah.

I wrote it when you were born. That's amazing.

It's been read in a couple of times. We've reupped it We're reupping it for the 20th anniversary. It's coming out again in April.

You know, I'm gonna pay both the truck and the student loan off by the first of June ready set go.

The Total Money Makeover is a Bible in our household.

I felt the best advice to give them, even though I've given them Dave's book, even though I try to get them to listen to the show, that based on their situations, bankruptcy I think is the best option.

I think that two hundred of intent of debt is something, an amount of debt that can be paid off, especially when you are able to make an income.

You gave him the total money makeover.

The guy that turned down the book financial piece one of my best friends yeah soul 3.2 million copies now he's still in publishing and I'm still an author but that deal never happened.

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We've got the baby stuff smell you in here's book for you total money makeover book and the financial piece membership that's the living give box for you as our gift thank you for saying thanks for coming down we're so proud of y'all way to go thank you.

It's game on! Get your ticket for Total Money Makeover Weekend.

We've got some great shows on the Ramsey network when you're done with this one. So check them out at our website RamseySolutions.com.

We've got the Rachel Cruz show Ken Coleman show Doctor John Deloney show.

I've got a smart money happy hour with Rachel Cruz.

We're coming up with some really fun different talks Jade than we've ever done before.

It's going to be interactive lots of Q and A's we are coming up with some really fun different talks Jade than we've ever done before.

We've got a great tool for you. Ramsey Smart Tax. You can find that at Ramsey Solutions dot com slash tax. That's no nonsense tax software. We're not going to try to sell your data and sell you debt like the other guys. It's low upfront pricing. We're not going to nickel and dime you. And if you want to work with a pro, you can connect with a tax pro who's Ramsey trusted again at Ramsey Solutions dot com slash tax.

And with the first 500 tickets sold, you're going to get a copy of the Total Money Makeover signed by Dave himself. So don't wait.

It's called Total Money Makeover Weekend.

And this is brand new content. Of course, we're going to play the hits. You're going to hear about budgeting and beating debt and investing, but we're changing things up. This is going to be a very different event, very interactive live Q&As. So no matter what baby step you're on, this will light a fire under your butt to keep going, to keep making progress.

Christians gonna pick up and give you EveryDollar. That's a budgeting app so you can see what to do with this $5,000 that you're making every month. Thing one, like Rachel said, get the car back and thing two is get current. Yeah, on all of your bills, cellphone, water, all of your utilities get current. Yep. And Christian throw in a Total Money Makeover book as well to get you on this plan because we're cheering for you, Tord. You've done the hard work. You can do this.

And so again, we are really excited. We're gonna, you know, have some, some talks. We want to be able to dialogue with you guys in the audience and John and I, John Deloney and I did this with our money in marriage event, which we loved, as we did so much Q&A. Because hearing from people just like this show, where it's caller-driven, hearing from people in their stories and their situations is so helpful for other people to learn. And so, we're gonna do a lot of that. We want to, we want to hang out with you guys and and hear what's going on in your life. So again, lots of Q&A is there. So with the first 500 tickets sold, you're gonna get a copy of the Total Money Makeover signed by Dave. Nice. And those are going fast. And you can get your early bird tickets for just $99 for a limited time. So go to Ramsey solutions.com slash events for that. So again you guys, it's the Total Money Makeover Live weekend here in Nashville, Tennessee at the Ramsey Solutions headquarters. And that's May 10th and 11th. May 10th that night George and I, George Campbell and I are gonna be doing the Smart Money Happy Hour podcast, a live recording, and then the next day Jade Warshaw and John Deloney and Ken Coleman and myself and Dave Ramsey, we're all gonna be there hanging out with you guys. So make sure to get your tickets again at Ramsey solutions.com slash events.

The first 500 tickets sold, you'll get a copy of 'Total Money Makeover' signed by Dave.

We got this brand new event called Total Money Makeover Weekend obviously based on the wildly popular book by Dave Ramsey, The Total Money Makeover

Hang on the line. We're going to get you set up with Financial Peace University because I have a feeling that you're doing a lot of the right things, but they may be out of order and there may be a way that we can really optimize this for you.

We're going to send you Financial Peace University as a wedding gift from John and I, and you don't even have to send us cake in the mail or anything.

Let me send you a copy of the Total Money Makeover book. It's the one that's the baby steps on steroids. It'll show you every little nuanced question about walking those steps and why they work.

About a decade ago my brother gave me this year Ramsey book.

It took me a few years, I'm a little bit hard-headed sometimes so it took me a few years and I opened it back up, got along, uh, got my budget sorted out a little bit better.

it's going to be May 10th and 11th and we're calling it the total money makeover weekend which is cool it takes place on anniversary of the total money makeover book that we all know and love

I'm gonna gift you both of those things my book as well as fpu

And it's called Total Money Makeover Week.

And obviously named after the goat of all money books, Total Money Makeover.

we're going to send you guys financial peace university because i think it's some of the best whether it's pre-marital during the wedding after the wedding it's such a great way to get common vision goals language around this we talk when it comes to your money goals

Dave Ramsey has got a brand new quick read out called The...real estate the Ramsey way this is fresh off the press like I haven't even seen this and look at Dave million dollar smile he's so happy to talk about real estate.

He's a very very accessible and this is taking Dave's decades of experience with real estate putting it all in one short read to help you with buying selling and investing. It's only 70 pages home ownership is still possible.

I was sitting on the couch just tired and the Holy Spirit tapped on my shoulder and said um you have a book that can change this

and one of them told me to get total money makeover

I got it in my early 20s but I didn't needed at the time but it said in my library all that time

so I went to the where our books were and I looked and I found the book and I read it in a day

and then baby steps million days latest book and that's where you guys are headed probably pretty quickly with the income you guys have so those are our gift to you

I've been following the baby steps pretty religiously as a book.

And of course, the total money makeover book as well

The total money makeover weekend.

Total money makeover book

What was that book? Total money makeover, okay.

Total Money Makeover Weekend, May 10th and 11th, named after the best-selling book that's ever come out of Ramsey Solutions, Dave's unbelievable classic Total Money Makeover.

and with the first 500 tickets sold you're going to get a copy of the total money makeover for its 20th anniversary edition and we're gonna sign that and i'm gonna sign that and send it to you don't wait these are gonna go fast early bird tickets start today at ninety nine dollars but for a very limited time we're gonna raise these ticket prices very rapidly this is gonna be a sold out weekend at the Ramsey event center with all the Ramsey personalities dr. John lonely retro crews George camel kin Coleman jade wash on me we're all gonna be speaking it's gonna be a great weekend you're gonna leave jacked up excited and even tired from so much coming at you in one weekend again early bird tickets starting today may eleven and ten ten eleven here in Nashville on the Ramsey campus uh... early bird tickets only nine dollars you can get them at ramsey solutions dot com the total money makeover weekend we named it in celebration of the twenty-th anniversary edition of the book total money makeover coming out got a new addition of the book coming out uh... not a big deal there's a little bit changes recall a few things up but uh... you know time to time to spruce her up ever so often and so we're gonna dress her up a little bit put her back out and then we're going to do this big event total money makeover weekend here in Nashville it's gonna be great i mean the line up on this and the mhm all the different subject matter is going to be covered from the content yeah completely new good stuff new content around old ideas that's right there we go which is what we've always done

And we put together a process called the baby steps and it became a 10 million copy book called the total money makeover teaching people how to do the baby steps.

I've been reading your book, The Money Makeover and I absolutely de-test that now. And I don't want to have any part of it anymore for the rest of my life.

I got the total money makeover, read the book...

I'm gonna send you a copy of the book The Total Money Makeover to get you started

The $12 sales happening where you can get best selling books like the Total Money Makeover,

And uh, you got on the program and then got her along with me. Wow. That's the best way are they now story ever.

Sent me a copy of your total money makeover.

Papa Dave's read the total money makeover to those kids stories are big deal man epic saying epic because I just make up stuff.

best selling books like the total money makeover

I'm sure you're investing 15% of your income.

Money's on a math problem is that you know so often we just try to fix the math.

money's a math problem, Jade's quick read, it's at RamseySolutions.com

Money's not a math problem, Jade's quick read, it's at RamseySolutions.com

I mean you can get best selling books like the total money makeover.

the books the total money makeover baby steps millionaires own your past and change your future love your life not theirs own yourself on your money

best selling books like the total money makeover

I took a look at the mortgage and I figured out a way that I can pay it off in seven years

I ordered the book total money makeover

shop our best selling books the total money makeover baby steps millionaires and own your past change your future for just twelve dollars

How is this different than the Total Money Makeover? Well the Total Money Makeover has been around for decades. And I follow the principles in the book and I lay out the baby steps real quick. But this is not the baby steps rehash.

It's like the total money makeover meets complete guide to money meets define print meets borrowed future along with my youtube humor and snark

We're gonna send you a copy of the book the total money makeover which is my best-selling book ever it's about 10 million copies out there

I'm trying to figure out how I can get my husband on the same page with his out of control spending so that we can have an emergency fund to fall on and pay off some of our debts that we have.

How do I get on track with the Baby Steps?

the Total Money Makeover book to give away and get someone started

And then he brought the book home and I didn't read it. But then like, I, you know, I didn't want to see him so frustrated and like stressed out. And I was feeling it too. And so I was just like, well, you know, tell me more about it. And let's do this. I'm on board.

I read the book "Total Money Makeover", and I remember buying it at a half-price bookstore and I was like 20 dollars I bought this book and by the time I finished the last page and I closed it I was like that's a million dollar book and it's going to change my life.

we've got the live and give box for you it's got the baby steps millionaires booking it that's your next stop the total money make overbook to give to somebody who's inspired by your story

I started reading the total money makeover and was it was kind of firing me up and then we celebrated her birthday on December 14th and everybody much came home and was like let's pay off the car and after that it was like what else can we pay off what can we switch around in our budget to make it work for us and I think that's kind of where it all started for us yeah so you got the financial gastrate I think I'm just impatient very impatient good I like it got it we're gonna actually do this stuff you're reading about yeah good very cool I got a no Dave what's the new the newlywed groom did you figure out I should probably make her happy with this or did you push back a little bit or you all in what was going on when she came home with this idea

we took it from total money makeover try to get fun creative so we created a whiteboard it had the total amount and how much we had paid and then every time we paid something off we would play the song jump around from house of pain yes yeah and one of Dave's favorite songs yeah we would just like blast it through the house and like just just dance like just yeah that's great got to knock out another one I love a dance party

we've got the live and give box for you it's got the baby steps millionaires booking it for sure you'll be in one of those and the total money makeover book to give away to one of your friends that this is how I did this I just did this right here and the financial peace university membership as well enjoy them give them whatever you need to do that's what they're there they're our gift to you guys to say congratulations and thanks for coming to Nashville to do your debt free scream

I read the tournament makeover and I got a very impulsive and my basic limp the hour savings to wipe out our cars my student loans and huge chunks to the mortgage

I did all this without telling my wife

And of course, the Total Money Makeover book as well, you'll be able to give that to one of the folks that needs some help that you'll run into

And next stop and total money makeover book maybe to give to one of your class members in a financial piece university membership.

we've got the live and give box for you that includes the total money makeover book

and the total money makeover book to give away to someone

Every time I get a big check from the publisher for total money makeover, I get big old checks on that because that thing still sells like crazy.

and the total money makeoveruh for you to give away and maybe get somebody started

We've got the live and give box for you it's the baby steps millionaires book the total money makeover book and the financial piece university membership.

And I bought the total money makeover and I was like oh my gosh This is such a light to my eyes and I feel so much less stress

and total money makeover book to give to somebody and get them started and even financial peace university membership all of that just to say thanks for coming up here and you can live some of it you can give some of it so it's perfect that's great very cool very cool who did you bring along to chair you on here my friend jocelyn she too is on the day Ramsey journey baby steps right now she wants to see what the good life is like all right here we go all right find out what it's like to be truly weird well done Isaiah you've joined the club my man I'm proud of you all right Isaiah from Tampa Florida 176 thousand dollars paid off in six years making 41 to 95 thousand count it down let's hear a debt free scream three two one a debt free yeah that is how it's done yes yes yes yes yes yes man his enthusiasm was contagious infectious you know the first time I took a call or somebody on the debt free stage that had paid off their home I was a gas and then the first time I had somebody that was like 40 years old pay off their home I was a gas and now it seems like every week we've got a 30 something in here with their homes paid off I know and are almost millionaires already it's like happening earlier and earlier and earlier the Schumger generations catching on faster than the boomers did that's true yes they are I'm yes a gas is the word yeah it just I mean it's wow wonderful not a payment in the world and he's not even 35 years old yeah and light is a feather light is a feather I mean just you know not touching the ground when he walks I mean that's this is how it works you know it's because you don't have to carry all those chains around mm-hmm and you know it changes how you work it changes where you work it changes the quality of your relationships your ability to set boundaries in toxic areas of your life when you have no money problems is pretty powerful yeah and he didn't have that in his story that we know of anyway but just to let you know if you don't have any payments and the ball start yelling you can just start walking off yeah I'm leaving where are you going I don't have any payments I'm not putting up with this crap next I mean it changes everything boys and girls changes how you walk and uh because you're not you don't walk like a slave anymore you walk like a free person it changes it's worth it it's hard but it changes everything this is the Ramsey show

i've throw some numbers at you so basically i didn't have an emergency phone so i just made an emergency phone so i got about five months worth of emergency now i got a hundred and fifty thousand in savings my current rent is about just short of three thousand dollars a month to purchase something that would be equivalent to what i rent and to be honest not even quite as good as what i rent i would be looking up something around the seven hundred and fifty thousand dollar mark um i was looking at purchasing things before i found Ramsey and i was looking at 25 year mortgages because that's just what people do apparently and then when i saw your 15 year kind of recommendation you know put a few calculations in it ended up like the mortgage would be like forty or hundred dollars a month or something like that so then it ended up being well over my kind of twenty five cents type thing

hang on the line Austin is going to hook you up with all the goods we have got you Alex but you got to commit to starting to be intentional we've got a plan we're going to hook you up

we can get him into FU total money makeover

we're going to hook you up hang on Austin's got you this is the Ramsey show

I want you to hop on with Ramsey with one of our providers Cause we've got several smart master players in your area

And that's the key Interview these folks I'm not just talking to our caller Anybody who's out there These people are working for you We can't tip toe around them Like, you know, scared to ask questions And scared to put them on the spot You're giving them a percentage You're paying them In essence, you are their employee Because you're providing work for them And you're paying them for their service And so, interview them And don't be afraid to be like hard pass

I just read Total Money Makeover last month and complete paradigm shift.

And dude, you really ought to be have your first million dollar net worth within about probably five to six years from right now if you'll follow the stuff that we teach because you had a really good start.

So I'm going to send you a copy of the book, The Total Money Makeover, 12 million people have read it and or more.

and total money makeover book to give to one of your friends that's fighting their way through this financial peace university

Here's a total money makeover and say, just read it and let's have a conversation.

Which book did you read?

I had total money makeover.

You need both of you get the book out, because number one, he turned the money over to me.

So you need to get the book back out and start working back through the death snowball.

total money make over book you will be able to give that to somebody like that lady showed you those envelopes at times

In 2013, as a Christmas present, my Aunt Lisa, shout out to Aunt Lisa, gifted all of her younger nieces and nephews the Total Money Makeover audio book.

We'll also send you a copy of Total Money Makeover and help you with the money part of this.

So if you go ahead, I know she like, she's the one and like, I really want my future to be with her. And I just want our, our future together to be as stress-free as possible, you know? ... What if you guys did something together to sort of get on the same page, like reading the Total Money Makeover or going through Financial Peace University and going, hey, as part of our sort of premarital counseling, I'd love for us to go through this money course or read this book together so that we're kind of speaking the same language.

I would just send you a Financial Peace University is our premarital counseling gift. It's one of the best courses to get on the same page and to light a fire under you guys to start dreaming about what life is going to be like as a couple as you build wealth.

And there's an insurance lesson in Financial Peace University. That's right. Juicy stuff. Dave really crushes it on the insurance lesson.

That's the hardest part is just realizing we don't want to live like this anymore and we don't need to. Most people would just assume, well, you got to have a car payment. What are you going to do? You can't save up and pay cash for a car. That's crazy. So you guys are doing it the right way. We're happy that the Total Money Makeover helped you guys out.

the very first book I had come out, Financial Peace It hit the New York Times

But I have been doing a ton of research in the last couple of years listening to you and I'm a big fan of like Rameet Sethi. So definitely changed my mindset in that capacity.

We get great psychological income, spiritual income, fulfillment from meeting someone and go, hey, our business was doing two million a year. ... The Total Money Makeover on finances or whatever.

you can get a workbook for the total money makeover by Dave Ramsey, complete theft, complete piracy, sold on Amazon

I went on book tour for total money makeover and I was going 42 days.

And that book now, by the way, his soul 10 million copies.

Well, and I will say, because you were present most of the time. So that's it too. We weren't abandoned. You were not abandoned children with a workaholic father.

And I went on book tour for Total Money Makeover and I was gone 42 days.

So that little 42 day book tour worked out okay.

Any resources we've got for you, whether it's financial support or whether it is through the Total Money Makeover stuff and financial piece or any of the books. Anything we can do to help you, let me know. We got you.

Well it was a tough task to write a money book when you have the Total Money Makeover the best selling personal finance book of all time and you're like I'm going to write something different and better I have big shoes to fill because the feet are still in those shoes it's still sold in the same book store

Hang on the line here, Laura. I'm going to send you my buddy Dave Ramsey's book, Total Money Makeover.

And I want you to read that book with your husband. Make sure you're following those plans. And then I want you to give that book away to somebody, somebody who's struggling. Start that path, start that giving path there.

I'm going to send you both of my Wall Street Journal bestselling books.

You already got them?

I'm going to send you financial peace university and I'm going to send you every dollar app for a year.

I'm also gonna send you my buddy Dave Ramsey's book, Total Money Makeover for free.

she can't just pick up the Dave Ramsey total money makeover

I'm also going to send you total money makeover, which is Dave's book that helps with that.

We did what Dave Ramsey taught in his financial peace stuff like no debt and all that

He said it it scared me that to not do it the way he said it and he said that it should be a certain Amount of your expenses in case something happens and he said do it as quick as you can

We saved up and put a down payment on a house. And we did what Dave Ramsey taught in his financial peace stuff, like no debt and all that.

We saved up and put a down payment on a house. And we did what Dave Ramsey taught in his financial peace stuff, like no debt and all that. We tried to do that other than our house.

He said that we should put an emergency fund. And Dave Ramsey said it. He said it should be a certain amount of your expenses in case something happens.

We just hit the amount in the savings account. We had just put that amount of money. And when I went in to tell Holly, I said, 'Hey, we got our emergency fund.'