I love Dave's no nonsense, common sense approach to mangaing and maintaining money. He comes at your from a very real "I've been there, I've done that" viewpoint which I can respect.

While at first, some of his ideas made me say, "He wants me to do what??? How can I live without credit cards? How does he really think I can pay cash for that?"

To his credit, his ideas, even though they can be met with a sense of disbelief for the reader, keep you reading because of his sensible and down to earth style. He doesn't just focus on debt, and I love this about him. Debt is a symptom, healthy finances are a solution is more his mantra.

Everything from college savings to retirement is handled brilliantly in this book in a "you can do it" fashion. For people who are truly serious about changing their financial destiny, you will find this book valuable, and you will probably even become a regular listener to his radio show.

If you implement these principals in your everyday life, you will find that your finances are much less of a burden, no matter what your income.