This is a fantastic book on money and finance. Ramit has a lot of great advice, esp. if you aren't sure what you should be doing with your money.I found his tone refreshing and much different than many of the other financial gurus out there. What he says makes a lot of sense, much more than the folks that go on and on about latte factors and what not. Ultimately, here's the thing. No financial book is going to be a silver bullet for any money problem you have. You have to actually read the book and take action. If you can't or won't do what the book advises, then sure, it won't work. It's like any diet book you read- if you don't do it or if you don't stick with it, you'll never see results.What's different here is that I think what Ramit's saying makes a lot of sense, even if some of it is hard to hear. People don't like to hear that the dram of owning a home may not be the smartest idea or that they may have to wait for a long time to own one because they don't make enough or have too much debt. But that might be the truth. They might not want to hear that their dream wedding will either land them in FAR too much debt or they'll have to wait for five years to have it. They want it now.But that's what you get with Ramit and his book- a lot of hard truths packaged in a fun to read and easy to use book. The only real hard part is if you DON'T look at your own situation, take stock, and take action. If you find this book helpful, his website and e-mail list are both great additional resources.