Briar’s Reviews > The Total Money Makeover: A Proven Plan for Financial Fitness > Status Update

No mortgage is a worthy goal to have. I am wondering how the math works for this. Little math is used in this chapter except to convince the reader to get a 15 year one if needed. Another chapter highlighting that this book is not for the worse money situations.

Well, he finally gave numbers at least. However, I am curious about what to do if you can't get to the save for retirement step. Does every chapter have a QR code at the end? If you have more details, it should be in the book.

And more blatant sexism. Contrasting people based on gender for their money habits is not gonna help many. However, this is overall one of the more sound chapters. Building up that emergency fund to last a few months. For being such a math person, he is not going into much math.

Finally a chapter with a well defined method. The snowball effect for debt is a useful thing to know. However, other bits of this chapter really shows who this is directed at. It's not for the people already workng a second job while only having a mattress on the floor, it's more for someone who decided to spend too much and is in debt. Also ew. Keep your accounts seperate.

'Scan this QR code for thirty easy ways you can save up to $1,000 for your starter emergency fund—fast.' So instead on including it in the chapter, you slap a QR code. Why did I but this book? Half way done and we're on the first step. An emergency fun (and the importance of a budget) without explaining how to accomplish it.

More myths and still hyoing the plan.

Are mutual funds he go to for everythung..? more than a third of the way through this book and still no plan. He dispelled more myths in this chapter. Many were useful, but many make me wonder who this is directed at.

Myth debt is a tool. I agree with some of this chapter. Keeping up with others by getting in debt is not a good idea. However, most examples were of people living outside their means. An oft asked question was 'what would millionaires do?' They don't have a surprise bill more than their monthly income. Many do use debt to get more. However, most of mine is from expenses an entire paycheck won't cover.

More talking up his plan. I wonder if my big concern will even be addressed. One thing not addressed so far is also that often the poor pay more for various items. Most examples he has used so far are people living outside their means and ignoring their debt. What about those that live in their means but get a huge bill?

He keeps promising it will work. I don't like that. This also seems more aimed at people that have money already to some extent.