Both my parents were bankers, and so, as long as I was with them, all my finances were taken care of. So I never stepped into a bank till I was 22. Now I have a job, and I'm on my own, and it was so horrible. I felt too embarrased to ask anyone, and I didn't want to go back to my parents either. I read this book, and the author's approach to it all was so practical. I learnt a lot, not just about saving money, but about giving it back as well. It helped me manage my finances better, I learnt to invest, save, I even fixed a budget for myself. For my standards, that's a HUGE thing. I owe the author so much!!