The Total Money Makeover | How to Get Out of Debt FAST

The Total Money Makeover is a personal finance book by Dave Ramsey that lays out a simple, disciplined plan to transform your financial life. Centered around seven “Baby Steps,” it teaches you to save a starter emergency fund, pay off all debt using the debt snowball, build a fully funded safety net, invest for retirement, save for college, pay off your home early, and build long-term wealth. The book focuses on changing behavior, creating a realistic budget, and avoiding debt entirely. Ramsey’s approach emphasizes focus, accountability, and consistent habits that help readers gain control, reduce stress, and achieve financial freedom.