Dave Ramsey – The Total Money Makeover: A Proven Plan for Financial Fitness

Since losing my job and being forced into full time freelancing (paying debt and saving, too), I started reading more books about personal finance, freelancing, small business etc. While I did read quite a few books in these 4 years, there are still some I failed to find out about.

Yes, I’m one of the people who lived under a rock (oh, actually living on another continent) who didn’t know who Dave Ramsey was. I don’t listen to his shows (don’t think I could access it from here anyway), have never seen him on TV, but I did find about his book The Total Money Makeover: A Proven Plan for Financial Fitness from one of the forums I’m active on. So, I decided to get my hands on it and see what’s all about.

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Cheryl Zhao
Cheryl Zhao

Cheryl Zhao, a financial expert, has been a part of our team for five years. After earning her MBA from MIT Sloan School of Management, she worked as a real estate broker before turning to blogging. Cheryl’s extensive knowledge of the housing market and trends, coupled with her passion for financial literacy, makes her blog posts an essential read for anyone considering becoming financially independent.

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2 Comments

  1. how does this fit in with the typical freelancer’s up and down (broke and flush-with-cash) existence?

    i’ve honestly avoided several dave ramsey courses that i’ve had offered to me, as i was concerned that it wouldn’t really apply to me and my funky income stream.

    thoughts?

    • Hi, James and welcome to dojoblog.

      I don’t think our situation is too different from what people with regular jobs go through. It’s true that we don’t have a steady income, that’s why I think smart budgeting and SAVING as much as you can in the good months will make a difference. If you’re not living beyond your means and save enough, the bad months are not such a big issue.

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