What a valuable reference tool. Young, Fabulous & Broke provides all the information you need to begin a financial life. Orman covers everything from exactly what a FICO score is to managing a student loan to buying your first home. She uses simple terms and real life explanations. Her approach is matter of fact yet inspiring. The financial mistakes made by young upstarts can be very costly. A couple percentage points on a car loan or a couple late credit card payments don't seem important when you're 24 but Ms. Orman does a wonderful job explaining why these things matter and how mismanaging them will effect your future.Even those who think they have everything under control will find this book useful. This is definately a reference tool I will keep for a long time.