I didn't realize how old this book was when I purchased it, and I came here to see if I could still return it (unfortunately not). I want to write the author and see how these people are doing today, the couple he made buy a house in 2004 so they would get rich off the equity. If you are starting late you need to be reading F.I.R.E. books, not the antiquated info in this book! Perhaps the info on how to get out of debt or get a raise is good, but honestly, if I were this author I would have either written a revision or pulled the book from shelves because it is so not appropriate for getting ahead today. I'm 38 and found much more helpful info in books about extreme early retirement and financial independence.