content: This is a good book for providing a disciplined approach towardsaving for the future. The authors ask that we monitor net worthcarefully and discriminate between the "must haves" versus thosethings that are extravagant or "nice to have". Survival over thelong term is the key. Managing credit card debt is acondition precedent to savings. The authors warn against emotional spending , as opposed to shopping with a well-planned list.At some point, all savers must clean up credit for futurepurchases like homes or autos. In addition, the authors adviseus to obtain multiple quotes on mortgages.The book provides general reading on a whole host of personalplanning issues vital for anyone budgeting for the present andthe future. If you are a spendthrift, this book is a must read!It should be in every household where money is an issue.