Mohammad AlSaeed

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Book cover for The Total Money Makeover: A Proven Plan for Financial Fitness

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

3 highlights

Wandering through life aimlessly will bring you much frustration.

“According to a recent report drafted by thirty-nine physicians from the Physicians for a National Health Program (PNHP) and endorsed by some 2,500 medical doctors, a movement to “a single payer system would trim administration, reduce incentives to over-treat, lower drug prices, minimize wasteful investments in redundant facilities, and eliminate almost all marketing and investor profits. These measures would yield the substantial savings needed to fund universal care and new investments in currently under-funded services and public health activities—without any net increase in national health spending.”
― Bernie Sanders, Our Revolution: A Future to Believe In

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“The wealthiest 400 Americans now earn, on average, $345 million a year, and they pay an effective tax rate of 16.6 percent.”
― Bernie Sanders, The Speech: On Corporate Greed and the Decline of Our Middle Class

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“Bill McKibben named his climate change advocacy group 350.org, because 350 ppm of atmospheric carbon dioxide is what Dr. James Hansen, former head of the Goddard Institute for Space Studies and one of the most respected climatologists in the world, says is the maximum level to “preserve a planet similar to that on which civilization developed and to which life on Earth is adapted.” Tragically, we have now exceeded 400 ppm.”
― Bernie Sanders, Our Revolution: A Future to Believe In

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“One thing I am sure of in my Total Money Makeover: I had to quit telling myself that I had innate discipline and fabulous natural self-control. That is a lie. I have to put systems and programs in place that make me do smart things. Saying, “Cross my fingers and hope to die, I promise, promise, promise I will pay extra on my mortgage because I am the one human on the planet who has that kind of discipline,” is kidding yourself. A big part of being strong financially is that you know where you are weak and take action to make sure you don’t fall prey to the weakness. And we ALL are weak. Sick”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

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“Being real takes tremendous courage. We like approval, and we like respect, and to say otherwise is another form of denial. To wish for the admiration of others is normal. The problem is that this admiration can become a drug. Many of you are addicted to this drug, and the destruction to your wealth and financial well-being caused by your addiction is huge. Radical change in the quest for approval, which has involved purchasing stuff with money we don’t have, is required for a money breakthrough. Sara’s breakthrough came with family. Her family was upper-middle-crust and had always given Christmas gifts to every member. With twenty nieces and nephews and six sets of adults to buy for, just on her side, the budget was ridiculous. Sara’s announcement at Thanksgiving that this year Christmas giving was going to be done with the drawing of names, because she and Bob couldn’t afford it, was earth-shattering. Some of you are grinning as if this is no big deal. It was a huge deal in Sara’s family! Gift giving was a tradition! Her mother and two of her sisters-in-law were furious. Very little thanks were given that Thanksgiving, but Sara stood her ground and said, “No more.” Sara”
― Dave Ramsey, The Total Money Makeover: A Proven Plan for Financial Fitness

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