The title is probably right-on. Such an easy guide that looking back I would say it was a waste of my time. There was some good stuff on life insurance, but being a single person with no dependents, it had no application for me. It was also nice to see how highly the author rates rental properties as an investment since that's something I'm considering for the future. The level of this book seemed more like something for high school seniors about to go out into the world. Of course, if a child hasn't been taught throughout their growing up years how to responsibly manage money, even readng a book like this isn't likely to be very transformational; I believe money management is a technique that parents teach through getting their children involved with the family finances (but again, like I said, I'm a single person without any dependents, so of course I have lots of theories about rearing children! LOL!).