I really enjoyed reading this and it's written in an engaging manner. If you are in a lot of debt I think it can be a really useful program though the thought of only spending cash is hard for me to embrace but I can see his reasoning. I've never been one to actually do a monthly budget but I did take the time after finishing this book to do so and it was an eye opening experience. In theory I knew I was over spending but seeing hard numbers of just how much I spent on eating out was a wake up call. My one thing I struggled with was how you move on from the retirement account step. To move on to the next step you have to keep funding that while then also having enough money to still pay bills, fund retirement and then start setting aside even more for college savings or to even save a home down payment much less pay cash. Living in a high cost of living area, being a single parent of two kids and a lower paying job it doesn't seem realistic when he says that for a period of time you may have to take on some extra jobs or hours. So some good concepts in here but hard to apply all of them. I do want to check out his other book that he references that he said is more of a detailed how to implement each step book.