I love Dave's IN YOUR FACE yet practical and common sense style of communicating. He cuts out all the fluff and feel good mantras and really teaches you how to get your financial house in order. This is a great book (along with all his others) that will help anyone at any stage in their financial journey turn things around or take it to the next level. He covers everything from myths about debt and pitfalls to avoid to paying off your mortgage, the famous debt repayment snowball, and also giving back(which he makes it a point to cover in all his books).Highly recommend