The Total Money Makeover: A Proven Plan for Financial Fitness pdf

戴夫拉姆齐 是一位个人理财大师和媒体名人。 26 岁时，Dave Ramsey 每年带回家 25 万美元，并拥有 400 万美元的房地产投资组合。两年后，他失去了一切。如今，60 岁的拉姆齐是美国最值得信赖的财务建议来源之一。根据 Ramsey 的网站，他的联合广播节目 The Dave Ramsey Show 是美国排名前五的脱口秀广播节目之一，每周有 1300 万听众在 600 多个广播电台收听。
拉姆齐对他的投资风格是透明的。他鼓励他的追随者避免投资个股，并购买长期业绩良好的共同基金。就个人而言，他的股权投资被分配到四种类型的共同基金中：成长型、成长型和收益型、激进型成长型和国际型。
除了共同基金，拉姆齐还拥有一系列出租物业。他的房地产投资理念是在不使用债务融资的情况下收购房产。
自从早年申请个人破产以来，戴夫拉姆齐已经走过了漫长的道路。凭借他估计的 2 亿美元净资产，他是任何人都可以扭转糟糕财务状况的活生生的证明。3 拉姆齐赚了他的第一个 100 万美元，然后失去了它，然后在相对较短的时间内重建了更大的财富。

The Total Money Makeover: A Proven Plan for Financial Fitness pdf 戴夫拉姆齐

The success stories speak for themselves in this book from money maestro Dave Ramsey. Instead of promising the normal dose of quick fixes, Ramsey offers a bold, no-nonsense approach to money matters, providing not only the how-to but also a grounded and uplifting hope for getting out of debt and achieving total financial health. Ramsey debunks the many myths of money (exposing the dangers of cash advance, rent-to-own, debt consolidation) and attacks the illusions and downright deceptions of the American dream, which encourages nothing but overspending and massive amounts of debt. "Don't even consider keeping up with the Joneses," Ramsey declares in his typically candid style. "They're broke!" The Total Money Makeover isn't theory. It works every single time. It works because it is simple. It works because it gets to the heart of the money problems: you.