I read this book upon the recommendation of my husband who listens to Dave Ramsey on radio. I was quite skeptical as some of Ramsey's ideas on financial freedom seemed contradictory to mine, for example his behest not to have any credit cards...but, that being said, he does make a lot of sense, and I have incorporated some of his guidelines into my everyday life, and it is paying off. When I read how-to books like Ramsey's, I find that I have a higher rate of success in implementing the ideas if I use only the ideas that I feel are practical to me rather than trying to follow all of the tips suggested. Anyway, this book to me was a worthwhile read, and does offer some useful ideas on managing one's money.