How many of you have a white elephant closet or room? This book was given to me as a gift that I plan to give someone BEFORE they need it. The book really has no information that we all in debt trouble haven't already heard before. It's almost as if the author sat through a long seminar, took excellent notes and decided he'd try his hand writing the book. By the time you are in debt, the techniques in this book are not useful. This is idea for someone perhaps a college student starting out in the world of credit to get some advice from before getting in debt trouble. For me, I am glad this book was a gift because if given the choice, I'd take $20 and waste on a slot machine. This book would ne idea also for a financial counselor looking for some resources to use to create a good short workshop but for the rest of us, it's a book to remain on the shelf.