The Total Money Makeover by Dave Ramsey

As real estate professionals being able to speak the language of money is essential to success. Determining the fair market value of a home, down payment requirements for various loan products and the debit to income ration of a borrower a only a few of the dozens of financial metrics that are dealt with daily.

When it comes to personal financial literacy many of us find ourselves speechless. Unable to own a home, consumed by debt and wondering how we’ll pay our bills if this next deal does not close on time. What’s tragic among real estate is that many with incomes well in excess of $100,000 annual income find themselves in this predicament or worse.

Dave Ramsey was that guy 25 years ago. A millionaire real estate agent and investor, living the high life, consumed by debt and totally broke.

Since crawling out of the dark hole of debt Dave has guided millions to financial peace. He has accumulated a net worth estimated to be over $50 million dollars. His radio show is syndicated on over 500 stations enjoyed by over 13 million people weekly!

Dave’s New York Times Bestseller “The Total Money Makeover” has sold over 5 million copies since its being first published in 2003.

The secret sauce in the book is Ramsey’s proven Seven Baby Steps to getting out of debt and building wealth. The beauty of the formula is it ALWAYS works regardless of how deep your deb or how skinny your income.

Dave does a great job of helping people sort the difference between being a high income earner and the accumulation of wealth. And the sooner this lesson is learned the sooner and faster wealth accumulation can happen.

How do I know Dave’s program works? Because I have been as broke as Dave once was. It was not fun to be there nor was it fun to fess up. It is not easy. It requires a Total Money Makeover!

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