This is an excellent book for starting to get your financial house in order. It is important to read the book and think carefully about the 'stories' contained therein. This should be read at the beginning of financial planning. Some of my friends have suggested it is too much about the past, but each lesson contained therein can be related to what is happening now, in the current financial climate. If you read the book and think about what guidance it is giving, you are given a good start. If your intent is to read it and suddenly have all the answers, you expect too much. I was always taught as a child pay everyone else first and you get whats left. This book helps you to realise that you should be the prority when it comes to financial planning.