This book is broken down into easy to read chapters covering specific topics with key point summaries at the end. The authors have obviously put some effort into their writing. While some information is basic (pay off more than your minimum payment on credit cards, budgeting is a good idea), other information is honestly helpful, especially the chapters on insurance, credit scores (which most people are confused on) and the charts and graphs they use to illustrate why the steps they suggest are necessary. They also have several useful appendixes at the end of the book and some suggested steps to begin. I've read several personal finance books. Most are confusing, full of jargon, or unhelpful for people just starting out. This book follows the KISS principal (keep it simple stupid) and succeeds exceptionally well. I recommend it to anyone starting out and anyone who needs a refresher on the basics.