The Total Money Makeover

The Total Money Makeover is a financial plan designed to help individuals pay off debt, build savings, and achieve financial stability. It emphasizes creating a realistic budget, focusing on paying off debts—starting with the smallest first—and avoiding new debt. The plan encourages building an emergency fund, investing for the future, and improving overall money habits. By following these steps consistently, people can gain control of their finances, reduce stress, and work toward financial independence and long-term security.