Actually a really practical book from two guys who "get it." However, it was published in 2001, so take the numbers and references with a grain of salt. It actually provided some humor when they mentioned "video late fees," and how online banking was such a new concept! I wish they would write a new guide, incorporating apps, and other current financial trends. Overall, I'm glad I read this, and it did provide some helpful tips, but remember it's a little outdated!