17 Top Dave Ramsey Books You Need To Read

top dave ramsey books

One of the most common mistakes many people make with their finances is living blindly without a sure-fire plan, that is, before they read the top Dave Ramsey books. Some might be too scared to understand how they do or don’t manage their money, while others are just worried that learning about financing is too complicated for them to understand.

Considering that many of us have survived this long without any financial plan, we have these dangerous money myths that it cannot get any better or worse. So, we cross our fingers and hope that everything will work out just fine. But, sadly, that is not how the aspects of money works.

Instead, the more money we make, the more the ‘needs’ we have, and when this reaches the breaking point, everything comes crumbling down and bad money habits may occur.

Learn From Dave’s Mistakes

This is a situation Bestselling Author Dave Ramsey has personally experienced. In his money teaching and writings, he shares his experiences when he first started making money and had no idea what to do with it. Ramsey also shares the experiences of other people he met along the way who shared the same fate.

So, if you feel like you’re not making any financial progress, or you feel like you are working for your money and it is not returning the favor, or maybe you want to make better financial decisions! Then this is your time to learn how to have wise money management skills and get your finances into shape.

Luckily, we live in the age of information, and everything you need to flip the script is right at your fingertips. The answer to the money problems thousands of people face in their day-to-day life is right there waiting for you if you know where to look.

If you’re not very familiar with money management or you have questions about money management, America’s favorite finance coach has tons of information to help you get the ball rolling.

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    Ramsey’s books are not attractive but filled with ‘the right advice’ and strict reality checks delivered in a captivating, easy-to-read format. Some people might not like him for his ‘drill instructor’ attitude in giving you the truth in a plain and straight fashion.

    However, it might be just what you need to break out of your financial situation and head toward a brighter, peaceful tomorrow.

    About Dave Ramsey

    Best-Selling Author, Dave Ramsey, is one of the most trusted voices in America on money and business-related matters. Over the years of his career, he has authored several New York Times bestselling books, including The Financial Peace Planner, The Total Money Makeover, and EntreLeadership, among many others.

    He is also a reputed presenter with his ‘The Dave Ramsey Show,’ amassing over 4.5 million listeners weekly on more than 500 radio stations.

    Ramsey was born in Antioch, Tennessee, in 1959. He graduated from the College of Business Administration at the prestigious University of Tennessee, where he graduated with a Bachelor of Science and Real Estate.

    A few years later, Ramsey worked as a real estate investor with his own business – Ramsey Investments Incorporation and Ramsey Solutions. Over a few years, he had already established an impressive $4 million real estate portfolio.

    Just as things were starting to look good, the bank financing his business was bought by another bank. The new owners demanded repayment of the entire loan amount of his company, which took a turn for the worse. Unable to pay for the loan, Ramsey had to file for bankruptcy. 

    From then onward, Ramsey tried hard to recover financially, but all was in vain. However, using the experiences and personal wisdom he had gained during his time as a successful businessman, he decided to devote his life to teaching and mentoring others to be financially responsible in this debt-filled world.

    He started teaching people how to be more responsible with the finances to take care of their families, secure a solid retirement plan, and still have enough to share generously with those in need.

    Dave Ramsey’s Writing Technique

    Most of Ramsey’s finance is based around his process of 7 baby steps. However, every book takes a different approach in expounding these principles, which makes each unique in its own way.

    We as humans are not very good at learning things by reading, hearing, or seeing them just once. That is why our learning process in schools and other institutions involves a lot of repetition, either by exposure or practice.

    Like any other skill, money management requires a lot of time and practice before being effectively learned.

    According to Josh Kaufman – the author of The Personal MBA – most ordinary people are terrified of being horrible at something, even temporarily. However, it is natural to start and get better as we continue practicing and learning more about it. Even though this is the case, to eliminate the feeling of angst, most people will just quit and proceed to something they are more comfortable doing.

    Gaining expert status in a competitive field requires investing at least 10,000 hours into it, but going from clueless to being good at something only takes 20 hours. So, it is quite important to understand that you will need a lot of exposure and practice before you get a good grasp of how to manage your finances and everyday money matters. (Repetition = Retention)

    Dave repeats his financial advice and principles repeatedly; we need to repetitively hear these things before we take them in and have them stick with us. Reading multiple highly recommended books by Ramsey might be your best bet towards a better financial future.

    Here are some of Dave Ramsey’s most popular books over his career as a writer

    • Financial Peace, 1992

    • More than Enough: The Ten Keys to Changing Your Financial Destiny, 1998

    • How to Have More than Enough: A Step-By-Step Guide to Creating Abundance, 2000

    • The Total Money Makeover, 2003

    • The Money Answer Book, 2004

    • Dave Ramsey’s Complete Guide to Money, 2011

    • EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches, 2011

    • Smart Money Smart Kids, 2014

    • The Legacy Journey: A Radical View of Biblical Wealth and Generosity, 2014

    1. Financial Peace, 2005

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    Financial Peace is among the first books Dave Ramsey ever published, with the original copy initially released in 1992. However, he has revised the book, renaming it Financial Peace Revisited: New Chapters on Marriage, Singles, Kids, and Families. The revised edition features additional information on individuals, relationships, children, and family life.

    Ramsey also introduces his famous KISS Rule Theory, which stands for ‘Keep It Simple & Stupid’ in the book. It is basically about having peace of mind with your financial decisions while also keeping away from debt. The primary key to financial success has proper management of your finances.

    2. The Total Money Makeover: A Proven Plan for Financial Fitness, 2003

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    The Total Money Makeover is another tremendous personal finance title that teaches about effective ways of escaping debt and staying out of debt for life. The books also debunk popular debt myths about money in a simple, straightforward manner that is easy to read and understand.

    Such as the debt snowball method, in which you pay off the debt in order of smallest to largest. In addition, the book features 7 steps in total that you can follow to achieve the goal of financial stability and exciting stories shared by individuals and couples who accomplished financial freedom with the help of the book.

    3. Complete Guide to Money, 2011

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    Have you been looking for practical information on how money works? The Complete Guide to Money might be just what you need. In this best-selling title, Ramsey covers the A to Z of his money lessons. These include budgeting, saving, dumping debt, and investing.

    Generally, the book consists of what Dave teaches in his nine-week finance plan’ Financial Peace University. The book compacts a lot of the information he has been teaching over about three decades. The book also includes essential steps on insurance, mortgage, marketing, and bargain hunting.

    4. EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches, 2011

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    Many readers have described EntreLeadership as a one-stop shop for learning about building and growing a successful business. Any business is just as strong as its leaders; they are the ones who are battling daily to ensure the brand remains solid.

    As a business leader, there are some vital skills that you need to possess and polish to build a powerful and successful brand. Unless you are growing as a company leader, it is improbable that your team is motivated to extend beyond you.

    The business book provides practical insights and step-by-step guidance on how you can build on your business goals and grow your business one day at a time.

    5. The Legacy Journey: A Radical View of Biblical Wealth and Generosity, 2014

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    In today’s world, there is a lot of misinformation about wealth and success. Some people believe money is a natural result of hard work and intelligent finance management, while others believe wealth is the ultimate, inexcusable sin.

    The Legacy Journey discusses Ramsey’s views on wealth and religion, and he mainly focuses on wealth-building practices and generosity from a Christian perspective.

    6. Smart Money Smart Kids, 2014

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    Dave Ramsey wrote Smart Money Smart Kids together with his daughter Rachel Cruze who works for Ramsey Solutions. The popular book teaches parents how to teach their kids about money and financial matters in a simple comprehensible manner throughout their daily life.

    Parenting involves preparing your children to be independent, responsible adults and successful citizens once they grow up, and one significant aspect of adulthood is knowing how to manage their money.

    In the book, the father-daughter duo equips parents with the proper knowledge to help their kids win with money. They touch on essential topics such as working, spending, saving, and sharing.

    Later chapters proceed to more complex issues such as living a debt-free life, saving for college, and battling discontentment. Finally, the duo presents a nicely-structured approach for changing the fortunes of your family legacy.

    7. More Than Enough: The Ten Keys to Changing Your Financial Destiny, 1999

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    In Financial Peace, published a few years before More Than Enough, Dave Ramsey mainly taught us how to live a debt-free life. In More Than Enough, he now gives us the right tools to amass wealth while strengthening our family ties.

    Ramsey draws inspiration for the book from years of work with thousands of families and corporate employees. In the book, Ramsey provides us with ten keys that guarantee financial and vital family Peace. Some of these include goals, values, patience, discipline, and giving back to the community.

    More Than Enough features captivating stories of single individuals, stories of couples, children, single parents, and families. In addition, the book shows you how to budget your income, talks about the relationship between finances and romance, and how to retire wealthy.

    8. The Financial Peace Planner, 1998

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    If you are serious about changing your financial situation from this year onward, The Financial Peace Planner might be the most valuable purchase you will ever make. Ramsey delivers a practice regimen that you can easily follow to make peaceful financial and family life changes. 

    This inspiring wealth-building guide is based on his personal experience with debt. It provides essential advice and hope for people who find themselves with serious money-related issues and desperately seek a way out. The book is arranged in a workbook format, making it easier for you to monitor your progress.

    The Financial Peace Planner is filled with highly motivational and inspirational insights to help anyone with serious debt. 

    9. The Money Answer Book, 2004

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    The Money Answer Book is structured in a convenient question and answer format, making it an easy read and a perfect resource guide. The book includes more than 100 frequently asked questions from The Dave Ramsey Show, making it appropriate for learning about different practical money matters.

    The issues tackled include budget planning, retirement planning, spending, saving for college, and giving back to the community.

    10. The Total Money Makeover Workbook, 2004

    The Total Money Makeover Workbook is another finely written classic exploring Ramsey’s simple, straightforward game plan for developing healthy financial practices. It is filled with numerous inspiring stories and thought-provoking ideas that will help create a new perspective on money-related matters.

    Like in most of his other titles, Dave Ramsey uses this workbook to help you achieve the financial freedom you need.

    Some of the topics discussed in this workbook include; setting up an emergency fund, paying off your mortgage loans, saving cash for college funding, maximizing your retirement investing, and building wealth to secure a better tomorrow.

    11. The Total Money Makeover Workbook: Classic Edition: The Essential Companion for Applying the Book’s Principles, 2018

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    The title of this book is a glimpse of everything you will find inside. It is an updated companion workbook for the New York Times bestseller Total Money Makeover.

    Do you feel like money is controlling you, or are you in control of your finances? It is a proven fact that the amount of power you have over your life’s financial matters is often reflected in how you feel about economic issues in general.

    The book features clever tips and exercises you can use to improve your spending and saving habits. Ramsey gives you the right frame of mind to get your money to work for you and make your life free from financial stress and strain. By following the laid-out rules, you can completely transform the quality of your life.

    12. Baby Steps Millionaires: How Ordinary People Built Extraordinary Wealth – And How You Can Too, 2022

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    Unlike most wealth inspirational books, Baby Steps Millionaires does not share the ‘secrets of the rich or complicated wall-streets concepts that are only ‘reserved for the elite. It instead delves into straightforward ideas that can be used by different people from all walks of life to help achieve their financial breakthrough. 

    The book helps you get better insights on how to make fruitful investments and accumulate wealth over time. In addition, it is penned to help you have an in-depth look at the barriers that are holding you back from financial success.

    13. The Richest Man in Babylon: The Secret of the Rich Isn’t a Secret at All (forward by Dave Ramsey)

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    The Richest Man in Babylon is one of the most inflectional financial life advice books to date. George Clason wrote the book to share their timeless experience on building lasting wealth.

    The book features powerful storytelling, financial teachings and gives a fresh perspective to those who want to change their financial fortunes. George and Dave share their principles on how to:

    • Escape debt

    • How to budget your finances

    • Living on less than you earn

    • Making wise investments

    • Saving for a better tomorrow

    • Enjoying your life and money

    14. Junior’s Adventures the Boxed Set: Life Lessons with Junior, 2005

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    Introducing and teaching kids about money management might be the best you will ever do for them, and Life Lessons with Junior is an awesomely fun way to do so. Ramsey takes his easy-to-read book a notch higher to make it more fun and easily relatable for younger kids.

    Like most other Ramsey personal finance books, Life lessons with juniors teach about managing money and making wise financial decisions. 

    The book features an excellent introduction to different economic principles and ideas, including saving, spending planning, charity, and honesty. The books are ideal for kids ages 6-14 to read independently, but you can read them to younger children, and they might understand the life lessons conveyed in the exciting stories.

    Some of the most popular Life lessons with Junior title include:

    • Careless at the Carnival

    • The Big Pay-Off

    • My Fantastic Field trip

    • Battle of the Chores

    • The Super Red Racer

    • The Big Birthday Surprise

    15. Rhinoceros Success, 2003 (By Scott Alexander, Foreword by Dave Ramsey)

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    Although success is not an easy journey and requires a lot of sacrifices, we all have the opportunity to live a better life tomorrow. Rhinoceros is an excellent inspirational book authored by Scott Alexander with the foreword by Dave Ramsey.

    The book helps readers charge their way to success by employing audacity and confidence to achieve their goals. Even though today you might not be where you want to be, tomorrow you could wake up closer to dreams and happier than you have ever been before. You can turn your life around and make it an exciting adventure. All you need is never-ending persistence and tenacity.

    16. Debt-Free Degree: The Step-by-Step Guide to Getting Your Kid Through College Without Student Loans (By Anthony Oneal, Foreword by Dave Ramsey)

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    Every parent wants a prosperous future for their kids, which is why they go through so much to get them through college. However, many graduates leave campus with an average of $35,000 in student loan debts, which they struggle to reimburse.

    Instead of opening doors for fresh graduates, challenging issues such as student loans make it much harder for them. In most cases, they will postpone a lot of their dreams to reimburse the college debt.

    What many don’t realize is that it is possible to go through college without student loans. The book written by Oneal and Dave Ramsey teaches parents viable principles to get their children through college without debt.

    17. How to Have More Than Enough: A Step-by-Step Guide to Creating Abundance, 2000

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    The 321-page Dave Ramsey classic shows readers how to get out of debts and avoid them. He uses simple, straightforward principles to talk to readers and help them get to the next level. 

    Even though the book mainly focuses on financial goals and success, Ramsey also acknowledges that success is more than just money. According to him, success is having a fruitful relationship and a fulfilling life where you are not constantly looking over your shoulders with endless insecurities.

    In the book, Ramsey guides readers through the right path to success. He takes the readers through ten essential principles of creating prosperity, educating children about money, achieving marital bliss, building a strong family dynamic, and living a debt-free life.

    Other Dave Ramsey Book Resources You Might Be Interested In

    There are several Dave Ramsey books, guides, or pamphlets that you might find with some bit of digging, although they might prove to be a little difficult to come by. Some may be out of print, while others are included into update editions of older titles.

    He also has several audiobooks and DVDs that you might find helpful in your financial success journey. Some of these include:

    Foundations in Personal Finance

    Dave Ramsey’s CORE Financial Wellness

    Cash Flow Planning: The Nuts and Bolts of Budgeting

    Priceless: Straight Shooting, No Frills, Financial Wisdom

    Financial Peace for the Next Generation

    Conclusion

    Although learning about personal finance is essential, it goes without saying that it is not an easy task. It might be intimidating at first, but once you get hold of it, it will prove to be very transformative in your financial situation and well-being.