A total money makeover is proving to be a necessity with today’s economic conditions. Many people are now digging deep to ensure their financial future and eliminate debt. Dave Ramsey has created a system that provides the direction anyone can take to remove outstanding debt to improve your overall financial picture, but there’s more to the picture than just debt elimination.,To ensure prosperity with a total money makeover, Dave Ramsey provides many of the keys to success. No longer can a hard worker rely on retiring with a nice pension. So, it’s vital to work smart and create a different mindset about wealth in addition to reducing your debt. A great Christian stewardship plan combines Dave Ramsey’s debt elimination tools with David Newby’s 8 wealth building steps; use both and you’ll experience the Ultimate Money Makeover.,A college degree no longer guarantees a secure job that can be held until retirement in thirty to forty years. How to ensure financial security throughout your life is to receive the latest information for a total money makeover. David Newby, author of “Why Didn’t Anyone Teach Me This” has the answer no matter what your current financial situation is or what goals you have established for a financially secure future.,David Newby provides you the insider techniques needed to create financial freedom in the next 7 to 12 years or less. Anyone can discover David’s strategies to become debt-free faster as it combines his revolutionary 8-step personal finance system and Dave Ramsey’s “Total Money Makeover.”,Some key points that can be discovered with a total money makeover are:,• The number one overlooked key to financial freedom.,• How Uncle Sam is robbing your retirement funds blind and how to stop him NOW.,• The number one wealth building secret that only the richest 5% of people in the world currently know- and how to use it in your personal finances now.,• How traditional retirement planning is needlessly costing you years of your life.,• The little-known, ultra-safe cash flow investment technique that can put you in the league of Donald Trump and Warren Buffet in a New York minute.,• And so much more!,Becoming prosperous begins with changing your beliefs as it relates to money. Making simple changes to your thinking about finances and beginning a total money makeover is a vital first step to wealth building and enjoying a fulfilling, prosperous life.