This book is very motivating. I got a lot of great tips about saving money and paying off debt that I am already implementing. The book flows very easily and can be applied to anyone in any economical situation. It makes an older saver feel hopeful that his/her economic situation can improve by following the many practical suggestions offered. I did not give it five stars only because a lot has changed in the financial world since it was written ie, the ease with which to obtain mortgages, etc. No fault of Mr. Bach of course, he's done a wonderful job of getting me to save more, spend less, and chip away at debt. I would strongly recommend this book to anyone who feels it's too late to get their finances in better shape.