![]() ![]() ![]() Ready to start your total money makeover? Time to take the first steps! Grow your emergency fund until you have a three-month buffer at least.Start paying down your debts, beginning with the smallest.To get you started on your own journey towards financial fitness, here are the first 3 steps you have to take: ![]() It has sold over 5 million copies since its publication in 2003. The Total Money Makeover is the most popular personal finance book of all time. Lucky for you and me, Dave Ramsey‘s here to save the day. I could always get what I want – most of the time, anyway – and if I just saved a bit of my birthday money, I could usually buy that new Xbox or laptop within a matter of months.īut if you’re serious about building a happy and truly fulfilling life, it can’t go on like this forever. Growing up I never had to work a day in my life. I hate to be the one to say it, but chances are you’re being irresponsible about money, right now. While some of this advice works, and some doesn’t, most of us dream about making millions when our bank account balance isn’t even at zero yet – it’s negative. ![]() There are tons of books out there that supposedly teach you how to become a millionaire. Listen to the audio of this summary with a free reading.fm account*: ![]()
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