El best seller del New York Times! Más de cinco millones de copias vendidas! Usted PUEDE tomar control de su dinero. Fortalezca sus músculos financieros con el entrenador monetario favorito de Estados Unidos.

Bien, amigo, quieres convertir esos gastos gordos y flácidos en un presupuesto bien tonificado? Quieres transformar tus pequeñas y tristes cuentas bancarias en cajeros automáticos con mucho dinero? Aquí está la respuesta. Hay una forma segura de poner en forma tus finanzas, y es con La transformación total de su dinero: Edición clásica. A estas alturas, has escuchado todos los sistemas de cómo hacerse rico rápido. Sabes sobre la última dieta fiscal de moda que deja muchas ideas extravagantes, pero sin un centavo en el bolsillo. Si estás cansado de las mentiras y cansado de las falsas promesas, échale un vistazo a esto: es el plan de juego más simple y directo para cambiar completamente tus hábitos en el uso de dinero. Este se basa en resultados, no en ficción. Con La Tansformación total de su dinero: Edición clásica, podrás:

• Diseñar un plan seguro para pagar todas las deudas - automóviles, casas, todo.
• Aprende a reconocer los 10 mitos del dinero más peligrosos (estos te matarán)
• Garantiza tener ahorros para emergencias y tu jubilación!

Incluye nuevos cuadros de las Diatribas de Dave ampliadas que abordan conflictos matrimoniales, deudas universitarias y más. Con formas completamente nuevas y recursos al final del libro para hacer La transformación total de su dinero una realidad.

Total Money Makeover: Classic Edition

New York Times bestseller! More than Five million copies sold!

You CAN take control of your money. Build up your money muscles with America's favorite finance coach.

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There's one sure way to whip your finances into shape, and that's with The Total Money Makeover: Classic Edition.

By now, you've heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you're tired of the lies and sick of the false promises, take a look at this--it's the simplest, most straightforward game plan for completely making over your money habits. And it's based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you'll be able to:

• Design a sure-fire plan for paying off all debt--meaning cars, houses, everything
• Recognize the 10 most dangerous money myths (these will kill you)
• Secure a big, fat nest egg for emergencies and retirement!

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey.

By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.

The Total Money Makeover will give you the tools and the encouragement you need to:

• Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method
• Break bad habits and make lasting changes when it comes to your relationship with money
• Recognize the 10 most dangerous money myths
• Set aside enough money to pay for unexpected expenses and emergencies
• Save enough money for your retirement
• Live like no one else, so later you can LIVE (and GIVE) like no one else!

This new edition of The Total Money Makeover includes new content that will help you tackle marriage conflict, college debt, and so much more.

#1 WALL STREET JOURNAL NATIONAL BESTSELLER

You Can Baby Step Your Way to Becoming a Millionaire

Most people know Dave Ramsey as the guy who did stupid with a lot of zeros on the end. He made his first million in his twenties--the wrong way--and then went bankrupt. That's when he set out to learn God's ways of managing money and developed the Ramsey Baby Steps. Following these steps, Dave became a millionaire again--this time the right way.

After three decades of guiding millions of others through the plan, the evidence is undeniable: if you follow the Baby Steps, you will become a millionaire and get to live and give like no one else.

In Baby Steps Millionaires, you will . . .

• Take a deeper look at Baby Step 4 to learn how Dave invests and builds wealth


• Learn how to bust through the barriers preventing them from becoming a millionaire


• Hear true stories from ordinary people who dug themselves out of debt and built wealth


• Discover how anyone can become a millionaire, especially you

Baby Steps Millionaires isn't a book that tells the secrets of the rich. It doesn't teach complicated financial concepts reserved only for the elite. As a matter of fact, this information is straightforward, practical, and maybe even a little boring. But the life you'll lead if you follow the Baby Steps is anything but boring! You don't need a large inheritance or the winning lottery number to become a millionaire. Anyone can do it--even today. For those who are ready, it's game on!

In Build a Business You Love, #1 New York Times bestselling author and Ramsey Solutions Founder and CEO, Dave Ramsey breaks down the system that took his business from a card table in his living room to a $250 million operation.

Business leaders face all kinds of challenges and fears as they work to grow their business. Dave Ramsey gets it--because he's been there. Over the past 30 years, he and his team have taken some right (and plenty of wrong) turns as they worked to build his one-man financial counseling business into Ramsey Solutions, a $250 million company with over 1,000 team members. Now, Dave is sharing what he's learned from walking through three decades of business growth--so you can grow your business faster with fewer missteps.

In Build a Business You Love, Dave lays out the EntreLeadership System, the road map that takes the guesswork out of growth for business owners like you. Because after more than a decade of helping leaders grow their businesses--and through direct experience with his own company--Dave has found that there are five distinct stages of growth every business has to conquer to reach its potential:

• Stage 1: Treadmill Operator


• Stage 2: Pathfinder


• Stage 3: Trailblazer


• Stage 4: Peak Performer


• Stage 5: Legacy Builder

Throughout the book, Dave breaks down each of the stages and their unique challenges in detail to help you solve the right problems, at the right time, in the right way. You'll learn how to navigate everything business ownership throws at you--from hiring the right people, to finding and training leaders, to creating and operating a budget, to nailing down strategic plans that get results, and more.

Build a Business You Love is the essential guide for business owners who want to grow their business the right way and leave a legacy they're proud of.

Grab your copy and join the thousands of business owners who have transformed their business by learning to leverage the EntreLeadership System--the proven plan to help you grow yourself, lead your team, and scale your business.

Knowing which stage of business we're in tells us what our next goals and challenges are-which mountaintop to climb next. Then we know what to do, when to do it, and how to do it. That's been amazing.

Joe Murphy, Integrity Support Inc.

The EntreLeadership System has had a profound impact on my business and my family. I was able to take three months off work earlier this year due to a family emergency, and my business still had its best tax season in years. Being able to step away for 90 days and still see incredible results is a testament to the impact of the EntreLeadership framework.

Renee Daggett, AdminBooks

The work that l've done within the EntreLeadership System has given me more confidence about what I'm doing, which has helped me gain respect with my business partner-who is also my brother. It's changed our working relationship for the better.

Todd Dockerty, Dockerty Health Care Services

Before EntreLeadership, we didn't have a clear direction for where we were going. One of the big keys for us was implementing a mission, vision, and core values. Now everyone understands where we're going and why, and how we're getting there. It's completely changed our business and allowed us to be more profitable with 90 people than we were with 135 people.

Josh Bradford, Altitude Energy LLC

The EntreLeadership System has given me the tools to bring calm to chaos, courage and candor to anxious team members, and clarity to the mission and vision God has for me I am living life again with the confidence that I can leave the office and know that clients will be treated the way I would treat them, and I can focus on my time with my family.

James Kreitler, Kreitler Law Firm LLC

In Smart Money Smart Kids, financial expert and best-selling author Dave Ramsey and his daughter Rachel Cruze equip parents to teach their children how to win with money.

Starting with the basics like working, spending, saving, and giving, and moving into more challenging issues like avoiding debt for life, paying cash for college, and battling discontentment, Dave and Rachel present a no-nonsense, common-sense approach for changing your family tree.

With practical strategies for teens and toddlers, alike, Smart Money Smart Kids goes beyond simply telling you how to teach kids about money and shows Yo what you must teach them these lessons today!

Quieres elaborar un presupuesto que realmente funcione para ti? Estás preparado para transformar tu relación con el dinero? Este best seller del New York Times ha ayudado a millones de personas como tú a desarrollar hábitos cotidianos de ahorro con la ayuda del experto en finanzas personales favorito de Estados Unidos, Dave Ramsey.

A estas alturas, ya has oído hablar de todos los esquemas absurdos para hacerse rico rápidamente y de las modas de dietas fiscales que te dejan con un montón de ideas extravagantes, pero ni un céntimo en el bolsillo. Si estás cansado de las mentiras y harto de falsas promesas, Dave está aquí para proporcionarte ayuda práctica y a largo plazo. Esta edición actualizada y ampliada es el plan de juego más sencillo y directo para cambiar por completo tus finanzas y, lo mejor de todo, estos principios se basan en resultados, no en fantasías. Este es el cambio financiero que estabas buscando.

Este libro te dará las herramientas y el estímulo que necesitas para:

• Diseñar un plan infalible para saldar todas tus deudas, desde el auto hasta la casa y todo lo demás, utilizando el método de deudas de la bola de nieve.
• Romper con los malos hábitos y hacer cambios duraderos en tu relación con el dinero
• Reconocer los 10 mitos más peligrosos sobre el dinero
• Reservar dinero suficiente para gastos imprevistos y emergencias
• Ahorrar suficiente dinero para tu jubilación
• Vive como nadie, para que luego puedas VIVIR (y DAR) como nadie!

Esta edición incluye nuevo contenido que te ayudará a abordar conflictos matrimoniales, deudas universitarias y mucho más. Cada ejemplar incluye nuevos recursos al final del libro para convertir la transformación total de su dinero en tu nueva realidad.

The Total Money Makeover Updated and Expanded

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey.

By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. This updated edition is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for.

This book will give you the tools and the encouragement you need to:

• Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method
• Break bad habits and make lasting changes when it comes to your relationship with money
• Recognize the 10 most dangerous money myths
• Set aside enough money to pay for unexpected expenses and emergencies
• Save enough money for your retirement
• Live like no one else, so later you can LIVE (and GIVE) like no one else!

This edition includes new content that will help you tackle marriage conflict, college debt, and so much more. Each copy also includes brand new back-of-the-book resources to help you make Total Money Makeover your new reality.

Dave Ramsey's Complete Guide to Money offers the ultra-practical way to learn how money works.

If you're looking for practical information to answer all your How? What? and Why? questions about money, this book is for you. Dave Ramsey's Complete Guide to Money covers the A to Z of Dave's money teachings, including how to budget, save, dump debt and invest. You'll also learn all about insurance, mortgage options, marketing, bargain hunting and the most important element of all―giving.

Because this is the handbook for Financial Peace University, you won't find much new information here if you've already taken the nine-week class. It also covers the Baby Steps Dave wrote about in The Total Money Makeover, and trust us―the Baby Steps haven't changed a bit. So, if you've already memorized everything Dave's ever said about money, you probably don't need this book. But if you're new to this stuff or just want the all-in-one resource for your bookshelf, this is it!

Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? Based on Dave Ramsey's New York Times best-selling book that has already helped millions of readers, this companion workbook will help you develop everyday money-saving and life-changing habits.

Ready to apply everything you learned in The Total Money Makeover? This essential companion workbook--packed with self-assessments and lined sections dedicated to note-taking--will give you the tools and the encouragement you need to:

• Unpack the lies you've been told about finances
• Pay off the debts that are weighing you down
• Start building your emergency fund
• Become financially healthy for life

With inspiring real-life stories and thought-provoking questions for reflection, this workbook is the reset you've been searching for.

Homeownership is still possible. And it doesn't have to be complicated.

In fact, real estate can be a fantastic investment--if you do it the right way. That's why personal finance and real estate expert Dave Ramsey put his decades of experience into one Quick Read so you can apply them to your own buying, selling and investing ventures.

In 70 pages, Dave will help you avoid the costly mistakes and pitfalls of what can be a ruthless industry.

From start to finish, you'll get a clear plan to help you buy, sell and invest in ways that will let you build outrageous wealth and leave a legacy for your kids, your grandkids and their grandkids.

In The Legacy Journey, Dave Ramsey takes a deep dive into God's word, revealing the truth on money, wealth and how to build your personal and family legacy. It's time to address the toxic messages in our culture that say we should be ashamed of the success God's given us.

You can truly live and leave a lasting legacy. Start your journey today The Legacy Journey will show you:

• God's Ways of Handling Money
• Why So Many Are Against Success
• Five Guidelines to Setting Good Goals
• When Enough is Enough
• How to Leave a Legacy Worth Leaving
• How to Safeguard Your Legacy

The Momentum Theorem
explains that when you spend some time digging and planting in the trenches and
invite God into your efforts, amazing things can happen. Not
here-today-gone-tomorrow things. Lasting, life-changing, unstoppable things. In
his newest Quick Read, Dave Ramsey lays out his formula for gaining momentum.

The great news is: The Momentum
Theorem is not exclusive to Dave's story. It can be your story too. You can
shift gears in any area of your life--at any time. You can turn things around in
your business, leadership, marriage, parenting, health, finances and faith. You
can determine to what extent you'll bring intensity and perseverance to all
these things.

In just 44 pages, you'll discover
the framework and elements of The Momentum Theorem. This will help you cut
through the darkness and dust and learn a more accurate way to see where you
are and where you're going!

The How, Why and When of Handing Off Responsibility

You're the CEO of your business--the chief everything officer.

You wear a million hats as a small business owner--and you're quickly learning that you can't do it all on your own. But the idea of handing off even the smallest responsibility scares the crap out of you. If you've ever told yourself, No one can do this as well as I can or Everything will be screwed up if someone else does this, keep on reading.

Chances are, even if you think you stink at delegation, you probably don't. And it doesn't have to be as frustrating or scary as it seems.

In this quick read, you'll learn two reasons why business owners don't delegate and how you can overcome them. Walk beside Dave Ramsey as he swiftly guides you through his 30 years of delegation experience, starting as a small business owner to the leader of a company with over 1,100 team members.

With Delegation, you'll learn:

• Why you should delegate
• When and how to delegate
• How to apply a delegation strategy to your own business

This question and answer book is the perfect resource guide for equipping individuals with key information about everyday money matters.

Questions and answers deal with 100+ of the most-asked questions from The Dave Ramsey Show--everything from budget planning to retirement planning or personal buying matters, to saving for college and charitable giving. This is Dave in his most popular format--ask a specific question, get a specific answer.

IT'S NEVER TOO EARLY TO TEACH YOUR KIDS ABOUT MONEY

How soon should you be having money conversations with your kids? As soon as possible! And the easiest way to do that is through entertaining stories. That's why Dave Ramsey created the Junior's Adventures Storytime Collection. In these six exciting adventures, Junior, Maddie, Billy and Rachel experience unforgettable life lessons and learn how to win with money.

The stories include:

• The Super Red Racer: The Reward of Working - Junior wants a bike but doesn't have the money to buy it so he learns the value of hard work by earning his own money.



• The Big Payoff: The Value of Integrity - Junior and his friends find $200 on the ground. Watch as they learn do what's right, even when it's hard.



• Battle of the Chores: The Dangers of Debt - Junior borrows money from his sister and has to pay her back which is no fun at all.



• My Fantastic Field Trip: The Importance of Saving - As the class goes on a field trip, they learn the value of planning for big expenses and unexpected emergencies.



• Careless at the Carnival: The Guide to Spending - See how a day at the carnival taught Junior and his friends how to spend their money wisely.



• The Big Birthday Surprise: The Joy of Giving - Find out what Junior's big birthday surprise is and how he learns about giving on his special day.

Through humor and colorful storytelling, your kids will learn how to win with money which will help them long after they have grown up.

Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.

In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:

- how to get out of debt and stay out
- the KISS rule of investing--Keep It Simple, Stupid
- how to use the principle of contentment to guide financial decision making
- how the flow of money can revolutionize relationships

With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.

Your company is only as strong as your leaders. These are the men and women doing battle daily beneath the banner that is your brand. Are they courageous or indecisive? Are they serving a motivated team or managing employees? Are they valued?

Your team will never grow beyond you, so here's another question to consider--are you growing? Whether you're sitting at the CEO's desk, the middle manager's cubicle, or a card table in your living-room-based start-up, EntreLeadership provides the practical, step-by-step guidance to grow your business where you want it to go. Dave Ramsey opens up his championship playbook for business to show you how to:

-Inspire your team to take ownership and love what they do
-Unify your team and get rid of all gossip
-Handle money to set your business up for success
-Reach every goal you set
-And much, much more

EntreLeadership is a one-stop guide filled with accessible advice for businesses and leaders to ensure success even through the toughest of times.

Introducing Your Financial Solution

Are you tired of working hard day after day--and still feeling broke when you look at your bank account? Nationally syndicated radio host and money expert Dave Ramsey offers a step-by-step action plan to help you transform your finances in this essential companion piece to his New York Times bestseller The Total Money Makeover Updated and Expanded Edition.

This newly updated workbook by Dave Ramsey provides a proven approach to achieve your financial goals by applying everything you learned in The Total Money Makeover Updated and Expanded Edition. Packed with the latest stats on debt, credit, and wealth building, this workbook guides you through Ramsey's straightforward game plan to change your money habits for good.

After working through The Total Money Makeover Workbook, you'll be equipped to:

• Recognize the financial myths holding you back
• Kick debt out of your life forever
• Build up a buffer so emergencies become inconveniences
• Fund college for your kids the right way
• Pay off your mortgage faster than you imagined possible
• Make a retirement and wealth-building plan for a future you can be excited about

Transform Your Life

This isn't just about changing how you spend and save--it's about transforming your entire financial outlook. With thought-provoking questions and real-life success stories, this new and updated workbook will help you strengthen your money muscles and move that much closer to financial fitness! This isn't just about changing how you spend and save--it's about transforming your outlook money and ultimately changing your life.

Su compañía solo será tan fuerte como sus líderes. Son ellos, esos hombres y esas mujeres, quienes pelean la batalla cotidiana bajo la bandera que constituye su identidad. Son valientes o indecisos? Dirigen a un equipo motivado o se limitan solo a manejar empleados? Se les valora?

Su equipo no puede prosperar más allá de su capacidad, lo que me hace pensar en otra pregunta: Estamos creciendo, prosperando? No importa si hoy se encuentra en el escritorio como gerente ejecutivo o en un cubículo como gerente de mandos medios o ante una mesa de juego en la sala de su casa que por el momento constituye su nueva empresa...Este libro le servirá de guía práctica para conducir su empresa, paso a paso, a donde la quiera llevar. Estamos hablando de la vida real. Así es cómo en verdad funcionan los negocios. Se trata de un tesoro de principios que han sido puestos a prueba desde las trincheras a lo largo de más de veinte años y que le servirán para que lidere con confianza y seguridad.

- How to create a budget that fits your income and creates wealth
- What finances and romance have to do with one another
- What role values play in your financial life
- How to retire wealthy in every way
- And much, much more

Resonating with Ramsey's down-home, folksy voice, heartwarming case histories, inspiring insights, quotations from the Bible, and exercises, quizzes, and worksheets, More Than Enough provides an inspiring wealth-building guide and a life-changing blueprint for a vital family dynamic.

In Financial Peace, Dave Ramsey showed readers how to get out of debt. Now he uses the same blend of down-home wisdom and straight talk to take readers to the next step: building wealth. But success means more than money--it means having a happy marriage and family. In How to Have More Than Enough, Dave Ramsey guides readers down the path to true success.Rather than gimmicks or quick fixes, Ramsey's method for achieving financial and familial stability focuses on ten traits essential to creating prosperity, teaching children about money, living debt-free, and achieving marital bliss when it comes to finances. His easy-to-follow workbook illustrates each of these traits and allows readers to frequently assess their progress and honestly evaluate their situation. How to Have More Than Enough offers readers and their spouses the chance to work toward building wealth and strengthening their families.