Find your next favorite audiobook

Become a member today and listen free for 30 days
La transformación total de su dinero: Un plan efectivo para alcanzar bienestar económico

La transformación total de su dinero: Un plan efectivo para alcanzar bienestar económico

Written by Dave Ramsey

Narrated by Roberto Mendiola


La transformación total de su dinero: Un plan efectivo para alcanzar bienestar económico

Written by Dave Ramsey

Narrated by Roberto Mendiola

ratings:
4.5/5 (206 ratings)
Length:
4 hours
Released:
Jul 1, 2008
ISBN:
9781418590550
Format:
Audiobook

Description

Aquí tiene una metodología seria y directa para armar un presupuesto fuerte que usted puede seguir y soportar.
Las historias de éxito hablan solas en este audiolibro del maestro del dinero Dave Ramsey. En lugar de prometer la dosis normal de remedios rápidos, Ramsey ofrece un método atrevido y sensato para los asuntos de dinero, proveyendo no sólo la manera sino también la esperanza arraigada que eleva el espíritu para salir de las deudas y alcanzar la salud financiera total. Ramsey desenmascara los muchos mitos del dinero (y así expone los peligros del dinero en efectivo por adelantado, alquilar para ser dueño, consolidación de deudas) y ataca las ilusiones y los descarados engaños del sueño estadounidense, el cual sólo anima el exceso de gastos y las grandes cantidades de deudas.

La transformación total de su dinero no es una teoría. Funciona todas las veces. Funciona porque es simple. Funciona porque llega al meollo de los problemas de dinero: usted.

Released:
Jul 1, 2008
ISBN:
9781418590550
Format:
Audiobook

About the author

Dave Ramsey is a #1 national bestselling author, personal finance expert, and host of The Dave Ramsey Show, heard by more than 16 million listeners each week. He’s authored seven national bestselling books including, The Total Money Makeover, EntreLeadership, and Smart Money Smart Kids. Since 1992 Dave has helped people regain control of their money, build wealth, and enhance their lives. He also serves as CEO for Ramsey Solutions.


Related to La transformación total de su dinero

Related Audiobooks


Reviews

What people think about La transformación total de su dinero

4.7
206 ratings / 66 Reviews
What did you think?
Rating: 0 out of 5 stars

Reader reviews

  • (4/5)
    An excellent approach to financial freedom, starting with an emergency fund and debt reduction before investing and giving.
  • (4/5)
    Dave Ramsey presents a straight-forward, tough-to-follow financial path to security and success with money. Not everything he says will apply to you (yet, or ever), but pursuing the 7 Baby Steps to Financial Peace can't hurt. His writing (and speaking) style is common-sensical, frank and conservative Evangelical. The Bible verses are a way to motivate those who are interested, but if you're in the least offended by "preachy" Christianity, you might just want to go to Dave's website and look at the Get Started page. Frankly, all of the Baby Steps are listed on his website, free of charge. However, certain finer points of each step as well as success stories to motivate you, can be found in The Total Money Makeover. Good roadmap; just be prepared to adjust the steps to your life situation (a dorm-dwelling college student won't have the same problems as a single mom with 2 children).
  • (5/5)
    I give a five star rating for life changing helpfulness. We let ourselves slip into thousands of dollars of credit card debt and following Ramsey's plan got us out of debt within a year or so, while at the same time taking a pay cut. We are still following his plan getting ready to pay off a second mortgage and build up a 3 month emergency fund. My business coach originally recommended the book to me - it's great!
  • (4/5)
    Pretty good advice, but a little too "folksy" for me at times. Just as weight management is all about calories in vs calories out, debt management is all about spend vs income. We all have to get real about how much we spend, it can be crazy when you think about it. How much do we spend on cell phone bills and cable bills and eating out and transportation and entertainment? Take inventory and give up what you can.
  • (4/5)
    Ramsey takes you through his steps to financial freedom with down to earth advice on things like how to handle debt collectors and how to raise the money to establish an emergency fund. It is very practical and I like the way it is organized better than Financial Peace. Get it, follow it with "gazelle like intensity", and change your life for the better!
  • (4/5)
    Sound, solid advice for those who struggle with debt and "keeping up with the Joneses" mentality. Perhaps not as advanced or comprehensive as some other financial planning and wealth building books but a great introduction to how to get started with getting your money under control.
  • (4/5)
    Another good book. A bit different from Financial Peace - enough was different but there were parts where I thought yep, I just read that in the other book LOL!Oh well, repitition is a good thing and reading the real people's letters was very helpful as well!
  • (5/5)
    A good reference to getting rid of debt. This book is filled with easy-to-follow, easy-to-understand steps, and details the reasoning behind each step. Each chapter is interspersed with true accounts of users of this book. A good book for simple steps to debt management.
  • (4/5)
    Well, I've read the book, but I certainly haven't gone through all the steps yet. Dave has some very sound advice that sounds a lot like my Grandfather. Live within your means, pay cash for everything, save for a rainy day, etc. but with a bit more of a plan to it all for those of us who have already gotten into some kind of debt. ;-) I just bought a new, energy efficient car in October. According to Dave I should sell it and get rid of that debt right away, but I can't help thinking that it was still a good purchase, even if I shouldn't have bought it new. I have a o% loan, service milestones are free and I can go twice as long without filling up as I did with my last car. Since the car is virtually the only debt I have I'm thinking I may just suck it up and try to pay off the loan as quickly as possible. We'll see if I can still "run with the intensity of a gazelle" while keeping the car to get around.
  • (3/5)
    I recently asked friends and coworkers for advice on personal finance guides and this one came up several times. Some very solid advice. But it was a bit of a slog because it wasn't really written for me. I'm trying to be proactive rather than already being in an emergency situation. The first half debunks a lot of money myths that I have trouble believing many people fall for in the first place, although some of that may just be his awkward wording, especially when he goes for metaphors. And in what part of the country are people mocked for avoiding debt? The Debt Snowball makes a lot of sense, although I couldn't figure out the tracking form. I'm sure there are filled-out examples online that make it clear, but it would have been nice to see one in the book. He's good about regularly reminding readers that this book is not the only one they need and what topics still need to be covered elsewhere. And no arguments with the 'college myths' chapter. Many segments of the population who won't feel this speaks to them and their situation (there's very little diversity in the success story example families), but I found pieces I can use.
  • (5/5)
    Here is a book that provides you with a life plan that is easy to understand AND implement. You are required to follow a plan that gets you out of debt, build an emergency fund, plan for the future, and build wealth.This is not a get rich quick scheme, but a build wealth scheme over time. For those will to follow Dave's principles, you are encourage to cut up and close you credit cards, live on cash. Debit cards are fine to use as well. For many, this will seem foreign or impossible. For those that take the journey, you will be rewarded.This book belongs on everyone's book shelf right along side the Millionaire Next Door!
  • (4/5)
    Dave Ramsey's down to earth, no-nonsense approach to personal finance is unique in the credit-crave American society. To follow his "Total Money Makeover" needs a strong mind and deep commitment, which are some the elements needed for someone who are in adverse financial shape. But financial fitness is not just for those who "screwed up" already; in fact, I would recommend anyone at college level (at their late teens and early twenties) learn how to handle their personal finance BEFORE they run into any major crises.This audio book is read by the author. Although the content is solid throughout, at times I feel the "tone" of delivery is a bit harsh. Also, this book seems to deal with the knowledge or principles level, but lacks a more hands-on guidance. Yet, I do agree that if one understands the foundational principles of personal finance (or financial fitness), the hands-on, step-by-step stage would come a lot easier.
  • (5/5)
    I received a free copy of this book in exchange for an honest review. The other editions and the Financial Peace University kit I purchased myself.

    See full review at theindigoquill . blogspot . com

    Debt. It's a dirty, disgusting, embarrassing four-letter word. A lot of us journey through high school graduation and immediately jump into the Student Loan pool, swim through the waves of credit cards and get caught in the undertow of financial crisis. Then we find ourselves stranded on an island, surrounded by the sea of debt, wondering how and when we got there. The next question is, how do we avoid reenacting Tom Hank's legendary role in Castaway and escape before we grow a foot-long beard and become BFFs with a volleyball? Thank your lucky-stars, because Dave Ramsey has given us his version of Financial Soundness for Dummies.

    When I discovered that Dave Ramsey was releasing a new edition of his Total Money Makeover, I knew I had to review it. I am a strong believer in this system. I am a student who works full time and has jumped on the Debt Wagon. I was introduced to Dave Ramsey when the leaders of my Life Group gave me his original Total Money Makeover and later enrolled in his Financial Peace University. So far, it has aided in compartmentalizing my debt and establishing a cushion and plan to invest in my future with cold, hard cash.

    Dave lays the foundation of his method with 7 steps he refers to as "baby steps." These steps are:

    $1,000 to start an Emergency Fund.
    Pay off all debt using the Debt Snowball
    3 to 6 months of expenses in savings
    Invest 15% of household income into Roth IRAs and pre-tax retirement
    College funding for children
    Pay off home early
    Build wealth and give!
    Some of these steps may seem unattainable or irrelevant. However, they can be adjusted to your lifestyle. There are many who have experienced success due to the simplification of these ideas through Dave's philosophy.

    I think Dave's Total Money Makeover is a GREAT resource. It's the perfect present for newlyweds, a launchpad for college Freshman, and the family recipe that can be passed along for generations. To those who are already well established, it may seem redundant or inconsequential, but it is quite the handy treasure for those searching for the method to the madness. I would recommend referring to DaveRamsey.com for several resources, including budget sheets, webinars, and other great resources to gain more control over your finances and teach your kids to do the same.

    I definitely recommend this book and utilizing what Dave has to offer. You will not regret it!
  • (4/5)
    Must admit Mr. Ramsey's book including the inserted stories are inspiring. Or rather they speak to the heart of the problem in such a way that you can't help feel ready to go after reading this.
  • (5/5)
    This book changed my life and will eventually change my family tree. It is the single best gift I have ever received, because it keeps on giving, month after month, year after year. In today's uncertain economic times, Dave's plan seems even more applicable and more comforting to those of us trying to take control of our finances and "act our wage" for maybe the first time in our lives. Simple in theory, but transformative in practice, this book gives the reader everything he or she needs to learn how to win the game of personal finance.
  • (4/5)
    Total Money Makeover is a book written to assist people in getting out of debt and building wealth as a result of being debt free. It begins with a couple of chapters dedicated to debunking myths – the myths of debt and of money in general. It follows that with some comments on the failure of most people to get an education on managing money and the fallacy of “keeping up with the Joneses”. It then dedicates a chapter to each of the core steps of the program:Step 1: Set aside $1000 for emergenciesStep 2: Use the “debt snowball” method to payoff debt as quickly as possibleStep 3: Finish the emergency fund (3 – 6 months worth)Step 4: Maximize retirement investingStep 5: Build the kids' college fundStep 6: Payoff the houseStep 7: Build wealth like crazyMr. Ramsey refers frequently to his financial failures and his use of this system to get him back on track. He also discusses that debt is a relatively new phenomenon and is largely the result of marketing of retailers and the marketing of lenders. It's a two-pronged front on your financial sanity. You're sold on the fact that you need more “stuff” and the lenders sell you on the importance of leveraging, loans, and using credit. His points are both interesting and convincing.As someone with a little debt to get rid of, I'm sold on Mr. Ramsey's model. I'm implementing it now and I've just begun reading his earlier book, Financial Peace, to see what else he has to teach.This is a book well worth reading to see if it's the right thing for you.
  • (5/5)
    Inspiring. The best personal finance book I have ever read. Clear advice and stories from people who have made the mistakes with money you did or are doing right now. Dave spells out the issues that cause you to be normal, meaning broke. The car section alone is worth the money for the book price. Forget Suze Orman, and Robert Kiyosaki. Dave does a better job at getting you on the path to financial wisdom and wealth.
  • (4/5)
    Easy to read and very practical. Harder to do, but then everything worth doing is. Everyone should read this, even if you're not in financial trouble. Watch out, though, that you don't get caught up in treasuring the things of this earth. Ultimately, our treasure is in heaven
  • (4/5)
    Some really helpful tips. It's encouraging to hear stories about others overcoming their debt. It definitely inspired me to tackle a few things in my own life using Ramsey's plan.  
  • (5/5)
    Informative and practical.
  • (5/5)
    This book was great. I read it in one day. I can't wait to complete the activities and start off the new year on the right foot.
  • (5/5)
    Dave Ramsey is the guru of money makeovers. Common sense material. A very nice read.The book makes a great gift for family and friends.
  • (5/5)
    Helpful, highly motivating book. Other books have sound advice to get ones finances in order. This book really gets you to get going and get the hard work done.
  • (5/5)
    Ramsey really is the best out there. He's bought a lot of peace to our marriage, and we've recommended him to family and friends. Though it's a harsh prescription for the modern, materialistic society to take... stop living beyond your means. Put relationships first, ahead of acquiring more "stuff." Grow up and stop entertaining yourself to death (and into debt!)
  • (2/5)
    I bought this book used at the advice of a well-meaning family member. I can only hope the "update and revised" editions are better. To be completely honest, I began to skim the text after the author displayed a fairly fundamental misunderstanding of the banking system and used "intellectual" and "academic" as insults. The "folksy" tone and constant use of Bible verses was also off-putting.This book has very little to offer anyone who is using their credit responsibly and are not already drowning in debt. The behavioral changes he recommends are likely very helpful for those who have irresponsibly over extended themselves already. A large portion of his advice seems like good advice; however, it doesn't really extend beyond common sense.Perhaps my biggest complaint is simply a nit pick. The author translates the "college experience" into "they want to party" when discussing why there is no reason to not work during college. Since the author uses "intellectual" as an insult, I guess I shouldn't expect him to understand the many intellectual benefits of not having to work during college. I worked during my 3rd and 4th years; however, I worked far fewer hours than he seems to be suggesting. Not working during college gives one the ability to go to interesting lectures and seminars taking place in other departments, grapple with difficult material, read books and articles outside the required material, and attend art and cultural events. Obviously, not working (or working only a few hours) is not an option for everyone, but there are benefits to the "college experience" that were well worth taking on a bit of debt for. To claim that the "college experience" only consists of "partying" seems to underscore the author's singular focus on a portion of the population with severely misaligned priorities.Perhaps I was simply hoping for a book that would go over the nuts and bolts of creating wealth.
  • (5/5)
    Wow! This has actually changed my life more than anything... I'm finally in control of my finances, TOTALLY. No more worries. I've been on the plan and taking care of things for 2 years now, and I can't imagine ever going back to financial chaos. I'm choosing financial independence!

    Recommended to anyone who....has money, uses money, or needs money.
  • (5/5)
    Dave Ramsey’s The Total Money Makeover should be the first book on the reading list of anyone who is struggling with debt or, as the author says, is “sick and tired of being sick and tired.” In straightforward, simple, and rather blunt terms Ramsey walks his readers through the seven baby steps that will lead them out of debt and into financial peace.Many people hesitate to take the advice of financial experts because it is difficult to know if their advice works. Ramsey’s advice, however, has been field tested. Dave Ramsey has seen both the highs and lows of financial life. By the age of 26 he had created a rental real estate portfolio worth more than $4 million. His entire net worth had been built on debt, however, and when the banks came calling he was forced into bankruptcy. Since then, Ramsey has eschewed debt and has rebuilt his fortune many times over.I am not going to go over every single step in the book. Instead, I will discuss the main themes of the book. Ramsey is an ardent believer in personal responsibility. Consider him the AA of personal finance. Until you are able to admit that your debt is the result of your actions and that only you can get yourself out of it, nothing else will work. The key, in Ramsey’s opinion, is the written budget. Everything he teaches begins there. You must know exactly where every dollar you make is going, before you even earn it. If you don’t plan this out, you will never be able to take control of your finances and take control of your life.This book is not for advanced investors. Ramsey does not discuss specific investments much at all. This is a book about the theory and emotions of personal finance and is a simple and honest plan for taking control of your financial life. Highly recommended.
  • (5/5)
    Dave Ramsey knows how to talk to hard-headed Americans about changing their finances from the inside out. He first deals with the underlying attitudes and "demons" that many people battle. Then he tackles the key underlying financial principles that we need to also understand. Everyone needs to read this book and read it to/with their children, so that the next generation can do a better job than we have done.
  • (5/5)
    I can't recommend this book enough. Usually whenever someone mentions reading a financial book the first thought I think of is "boring." However, Dave Ramsey's book is a "light" but intelligible read with good insight on how to get out of debt efficiently and how to invest properly in order for you to be able to later on have fun guilt free, invest, and give back to those you need it. Without Dave Ramsey's book, my husband and I would probably still be struggling to make sense of which debt to pay first and wondering where our money went. Once again, I definitely recommend this book. It works!
  • (5/5)
    This book is a must read if you want to turn yourself around financially. Dave speaks from his heart and his experience. Really, this book has changed my life and the way I think and spend money. It's not easy, but Dave makes you feel good and arms you with the tools and knowledge you need to be debt free. In less than 3 months we will be out of all debt except for our mortgage.