An easy read with some very practical advice. Avoid the pitfalls and make the moves that count. Some great financial time management wisdom here. This is a must read for the Gen-x, Millennial and Gen-z generations. Written by someone who obviously learned by doing and not just by re-reading previous written contemplation's. Very instructive for average working people who want to get ahead. I also find this book very useful for anyone who realizes the challenges we will all face in saving for retirement.