This book gives you step-by-step lessons on what you need to do to take control of your finances. Like the prior reviewer, there is some psychology about money and your life and how you relate to it and I think this is one of the things critics have fault with when it comes to her lectures. I take the straightforward advice, take the psychology stuff with a grain of salt, and feel like I'm in good hands. I recommend this to anyone who has always wondered do I really need to write a will, what's a Living Will, what is an "Estate Trust" and why do I need one? And if you are married with kids you need to have all of the above, because essentially without it, the state takes control and takes almost half of your money to process your estate. Trust me on this one because I worked in the estate business...