The Total Money Makeover

This narration walks through a simple, behavior-centered approach to personal finance made popular by Dave Ramsey: a sequence of “baby steps” designed to help people move from constant money anxiety to stability, then from stability to long-term wealth.

Along the way, the focus stays on everyday choices—spending patterns, borrowing habits, and consistency—because the heart of the method is not complicated math. It’s learning to make calm, intentional decisions with money, even when culture pushes the opposite.

• People who feel stuck in debt cycles and want a clear, step-by-step plan to regain control.
• Families trying to build a safety cushion, invest for retirement, and reduce money stress at home.
• Anyone who knows what they “should” do with money, but wants support changing the habits that make it hard to follow through.

Dave Ramsey is an American personal finance author and radio host known for teaching a straightforward, behavior-focused approach to getting out of debt, building savings, and investing over the long term through a set of principles often called the “Baby Steps.”