Dave Ramsey—author, talk show host and personal finance expert—has a simple message for people who want to change their financial lives: It will be hard work, but it will be worth it! No matter where you are in your Total Money Makeover, we're here to help you take that next step. Get started now with the tools below.

"Fifty-two years of greed and big payments, now bankrupt, broke, and starting over. Your financial plan is just what I've needed. It's providing hope and giving my family a plan and a possible future. The only negative is I wish I did this years ago..." —raz1226

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