How this book made me over is simple. I read it! This book has really impacted my life and made me see my finances and how I handle them more clear. This book has guided me to manage my way of spending and how I split my money up in so many different ways that I have been able to see actual growth in my money. Unlike when I was just paying minimum credit card payments, thinking that my credit score was cool. In the title of the guide book it says "The Total Money Makeover Workbook". That is exactly what this book has done for me. I have totally made over my now portfolio. I didn't even have one before. Now I have a pretty good start of one that is accumulating at a nice percentage rate. Now for all of you out there who do need a makeover of what is left of your money, I do believe you owe it to yourself to go out and purchase this book. Really you do owe it to yourself to get your money the way it should. For YOU!!