As a person with an interest and B.B.A in finance, this book was very much a refresher for me; however, the book is worth its purchase price just for the last chapter alone. His innovative approach to negotiating a car purchase and real world view on owning a home vs. renting will save readers thousands of dollars alone! And for those new to personal finance, the automation chapters are golden and key to long-term success-- I speak from experience. Automation helped me to pay off debt, save for retirement and save for travel. Although I didn't automate to such an extent, I will definitely do so in the future. This should be a must read almost anyone-- rich or poor.