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.

“A highly readable and substantial guide to the grown-up realms of money and business.” —Deborah Stead, The New York Times,

If you've been meaning to get your finances in shape but have no idea where to start, this is your playbook: The all-new edition of the New York Times bestseller Get a Financial Life busts open the system, teaching tricks for becoming master of your own money universe. No matter what's happening in the economy, all the guidance you need is right here. You'll learn how to:

• Pay off your credit cards and student loans and live debt free

• Start saving, even if you're living paycheck to paycheck

• Take advantage of the latest tax rules and save a bundle

• Find smart investments while still supporting socially responsible companies

• Come up with a down payment and buy a home, even in a tough economy

• Afford grad school

• Protect yourself from identity theft

And you'll discover why a 401(k) is your best friend—even if the market is tanking.

From tracking your spending to finding deals on insurance to navigating the new world of homebuying, this easy-to-understand, comprehensive guide provides an up-to-date road map of the world of personal finance. Whether you earn $30,000 or $300,000, are single or married, are drowning in debt or just looking for ways to keep your savings secure in uncertain times, you'll find the answers you need in Get a Financial Life.

“A daring book. . . . A life's worth of smart financial advice.” —Newsweek

The Financial Times, one of the world's leading business media organizations, is recognized globally for its authority, integrity and accuracy. The Financial Times provides a 360-degree perspective on global business and geopolitical news by harnessing a worldwide network of award-winning journalists who deliver extensive news, comment and analysis. The Financial Times is much more than a business newspaper, it is an intelligent and stimulating read covering everything from in depth art reviews to new discoveries in food and wine and interviews with the day's luminaries.

The Financial Times has an unrivaled collection of columnists, including Tyler Brule, Anthony Bolton, Clive Crook, Niall Ferguson, John Gapper, Robin Lane-Fox, Gideon Rachman, Jancis Robinson, Merryn Somerset-Webb, Philip Stevens, Gillian Tett and Martin Wolf.

The US Kindle Edition of Financial Times contains most articles found in the US print edition, including special reports and images. Some stock tables and weather graphics may not appear. For your convenience, issues are automatically delivered wirelessly to your Kindle starting at 5:00 AM New York City local time. The Financial Times US Edition is published Monday through Saturday.