I love this book. This mother and daughter duo have been featured on Dr.Phil several times and that is how I learned about the book. This is not one of those books that say cut out the lattes and you'll have tons of money to invest. In this book, they know that lots of people live on the edge. There isn't any money for lattes to begin with. They show lots of real life examples and have a simple money plan that will lead to a balanced life whether you make $20K or $150K. Everything is split into needs (very small - actual needs and legal obligations) wants (everything else) and savings. THen you do it at 50%, 30% and 20%. Presto = balanced life. I love this book. I"m not saying everyday is easy but it is the sensible financial planning book I've ever read and I highly recommend it!