Financial how-to books can be very daunting and confusing. This one wasn't. It is written for the average person with clear ideas and biblical references. Everyone knows especially in this current financial climate that they "should be" saving, spending wisely, investing, and just generally being very careful with their money. BUT, ah the big but, most people find it intimidating so they don't do it, they ignore the advice. I think that this book will help bring the big intimidating monster down to a manageable size and make money management a "can do" rather than a "can't do". I liked principle that they used in the chapter "40 Money Saving Tips" that it's wiser to save already taxed dollars then to work a second job and have to pay the taxes on that money too before it can be used. There is also a some work pages with questions that help to establish your real goals, dreams, and what you are actually willing to do to work towards them. The visual examples of how money and budgeting works are also simple and easy for anyone to grasp. For instance in Chapter 6 instead of listing all the imaginable places to spend money they categorize everything into 5 main uses: Giving, Taxes, Saving/investing, short-term debt repayment, lifestyle choices. How easy is that! If you are going to spend some money it will obviously fall into one of the categories no matter what the reason is. This is a good book about money management and how to survive the currant as well as the future economic turndowns. If you start now, this one will be survivable and the next one won't hit you as hard because of course, there will be a next one.