I found the steps and concepts concrete and helpful but I think the overall theme of the book was how to get yourself out of disaster rather than "controlling your destiny." As a woman without children and without debt, I found myself skipping over most of the book. It seems best suited for women who need to take charge of a financial mess they've gotten into and stand up to the people in their lives who are putting unrealistic financial pressures on them such as bread winning husbands and kids who need the latest greatest thing.