I don't know why I continue to read these personal finance books. They are almost a guilty pleasure at this point.

Bach's effort is typical of the genre with a lot of Tony Robbins-like motivational writing (yes you can!) and a common sense plan to paying down debt and saving for the future. If you think you need a book like this, I'd recommend something by Dave Ramsey instead, personally.

At it's worst, this book tries to cash in on the recession hysteria and would have been more effective at that if it had been published six months ago.

As with all these books, you can save some time reading it if you just remember to spend less than you make.