he makes many inappropriate assumptions about the gay community which made it even harder for me to trust his advice. he assumes that no gay or lesbians have children, have parents or relatives, and all have a drug problem. Therefore we are all well ahead of the game financially without children, we shouldn't buy homes because we have no family or ties to an area so we can all move at the drop of a hat to further our careers, and that if we just stopped our drugs we'd be all able to save more money. never once did i see any concrete advice. the whole book is about the psychology behind gay spending and lack of savings on the party circuit.