The Seven Day Financial Makeover

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.

This isn’t your father’s personal finance book. The way we currently save and invest is confusing, frustrating, and quite simply doesn’t work. Get ready for a personal finance book that is actually unique. Get ready for financial strategies that you’ve never seen or heard before. Get ready to transform your financial life in less than a week! Robert Pagliarini has taken budgeting, investing, insurance, and retirement planning—subjects that most of us find stressful and overwhelmingly complex—and made it approachable and even manageable through his unsinkable optimism and relentless simplification process. He says, “We’re going to take the pie-in-the-sky theories and turn them into bite-size pieces that you can and will be able to implement in your life immediately.” THE SIX DAY FINANCIAL MAKEOVER does a lot of things really well, but I’ll just tell you about three. First and foremost it actually provides advice—yes, real advice. Not wishy-washy “maybe you should do this” or “it all depends on your situation” nonsense (what Robert calls “financial fog”). Second, it has an action bias. No, not really a bias, more like a mantra. Implement, implement, implement is the theme in every chapter and on every page (there’s even a patent-pending free website at "Six Day Financial Makeover" readers can use to help them take the advice they read and incorporate it into their lives). Three, it is full of brand-new, never seen before financial shortcuts and strategies such as: Why your seven year old is a better investor than you are. Kids intuitively understand how to save and invest better than most adults. The trick is focus and creating separate physical accounts for the myriad goals we have. There is no “right” way to invest. What’s crucial is that people determine their investment personality – particularly how involved they want to be with investing – and let that be their guide. Disregarding one’s investment personality and pursuing an approach that’s not compatible with it is a recipe for disaster. Why you shouldn’t work for a paycheck. Most of us work to earn a paycheck, right? Well that’s the wrong way to think about work. Once we can align our life’s vision and deepest goals to our income, we start to see our purpose for waking up each morning entirely differently. Work is no longer work—it becomes a catalyst that helps us achieve our goals. The most important thing you should save for (and it’s not retirement!). What’s more important and more satisfying than retirement? Financial independence. Discover how many days your passive income could support your lifestyle (if your score is less than 31, don’t quit your day job). The more information and choices you have, the worse your finances will be. There are more financial books, magazines, journals, newspapers, radio shows, TV shows, web sites, Podcasts, and free information available today, yet most of us still feel completely overwhelmed, confused, and frustrated than before. The solution is to cut through the fluff and focus on what really works. Budgets don’t work. Instead, Robert offers a ten step process for taking control of one’s cash flow. While there is careful assessment and prioritization involved, budgets are nowhere in sight. If it’s not possible to save for a child’s education and for retirement, save for retirement first. While retirement may be farther off in the future, if people don’t save today, they’ll have no options tomorrow – whereas college students have financial aid, scholarships, and student loans at their disposal. And a whole lot more… Offering clear, practical, no-nonsense advice along with all the tools needed to implement it, THE SIX-DAY FINANCIAL MAKEOVER is a comprehensive guide that delivers on Robert’s promise to revolutionize the way you think about and invest your money.

Armed with a bit of knowledge, women tend to be very good with money . . . but mention the word 'pensions' to most and brows quickly start to furrow with confusion. The Money Goddess is a fun but also a practical, informative personal finance guide tailored specifically to the needs of women. The book features a fictional group of girlfriends who experience all the ups and downs of financial life, interwoven with expert advice on subjects ranging from debt to investing, buying a house, pensions and much more. Whether you�re just hopeless with money, or not so bad but haven't changed your building society since they gave you a Paddington Bear for opening an account, this is the perfect companion for any woman of any age. It�s never too early or too late to make sure you�re in the know when it comes to money.

Over half of Millennials are freaked out by their finances. Luckily, with Millennial Money Makeover readers now have a guide to help them navigate the financial issues of their time. Certified public accountant Conor Richardson offers a refreshingly helpful and elegantly designed program to tackle essential money matters. Millennial Money Makeover takes readers on a six-step journey to transform their financial life and set them up for lifelong success. From learning how to pay off student loans insanely fast to optimizing a financial ecosystem, Millennial Money Makeover teaches readers how to reclaim their financial future and jump-start the path to the rich life. Built for readers in their twenties and thirties, this book gives Millennials a proven playbook. Learn new hacks like how using robo-advisors can increase your returns and how leveraging delayed gratification when buying your first home can save you thousands. Whether you are planning a passion budget, figuring out how to finally purchase that big-ticket item, or thinking about taking your first dip into investing, Conor will show you the way.

A simple, straight-forward game plan for completely making over your money habits! Best-selling author and radio host Dave Ramsey is your personal coach in this informative and interactive companion to the highly successful New York Times bestseller The Total Money Makeover. With inspiring real-life stories and thought-provoking questionnaires, this workbook will help you achieve financial fitness as you daily work out those newly defined money muscles. Ramsey will motivate you to immediate action, so you can: Set up an emergency fund (believe me, you're going to need it) Pay off your home mortgage?it is possible. Prepare for college funding (your kids will love you for it) Maximize your retirement investing so you can live your golden years in financial peace Build wealth like crazy! With incentive exercises that really do exercise your spending and saving habits, Ramsey will get your mind and your money working to make your life free of fiscal stress and strain. It's a no-nonsense plan that will not only make over your money habits, but it will also completely transform your life.

From one of the worlds most trusted experts on personal finance comes a "route planner," identifying easy moves to get young people on the road to financial recovery and within reach of their dreams.

Dave Ramsey explains those scriptural guidelines for handling money.

The hidden key to a healthy relationship is not just managing money but understanding how the other approaches money. Every couple argues about money. It doesn’t matter if you’ve been married for 40 years or dating for 4 months, money touches every decision you make as a couple—from the $5 cup of coffee to the $50,000 car. And when the two of you don’t see eye-to-eye on how much to spend or how much to save, that’s when arguments turn into ugly toxic fights that leave both persons feeling hurt and angry. It’s why money has become the #1 cause of divorce in the U.S. Obviously, something needs to change. The reason this crisis has not been addressed is because it has never been identified, defined, or given a name. Scott and Bethany Palmer, aka “The Money Couple,” have identified and defined this problem and offer concrete solutions to fix it. Once you know your Money Personality, you can get to the root of money arguments and start really working together. You’ll discover what has an impact on your loved one’s money decisions, and you’ll learn how to talk about money in a way that’s actually fun! You’ll figure out how to put an end to money secrets and lies once and for all. It’s not just about money management, and it’s definitely not just about overcoming debt. It is a whole new way of living that will change everything in your relationship. Tens of thousands have already been transformed. Are you ready?