This is a great book and really helpful in establishing budgets, paying off debt, and saving for the future.  The problems that I have with the book stem with averaging 12% on investments and paying off houses so quick.  I also don't know where you find risk-free savings vehicles for over 1%, but Dave will claim savings accounts and CDs of 4%.  I know this book is a few years old, but examples of $85,000 - $150,000 aren't super common either.  The principles however are sound and will help those that have major debt issues.  The United States economy would be vastly different if more people saved and didn't get into credit card debt.