"The Total Money Makeover" is a personal finance book by Dave Ramsey that provides a step-by-step plan for achieving financial stability and independence. The book emphasizes the importance of budgeting, saving, and eliminating debt through a series of actionable steps known as the Baby Steps. Ramsey advocates for a straightforward approach to managing money, encouraging readers to create an emergency fund, pay off debts, and invest for the future. The book aims to empower individuals to take control of their finances and build wealth over time, promoting a mindset of discipline and responsibility.