As another reviewer states, save your money. This is a little book with some interesting thoughts, but the whole "little book" is for the direct purpose of hyping his website, which you log onto and give your e-mail address and such, and he will give you, supposedly, some "magic formula" in response. The reality? The reality, if you are foolish enough to give the info to his website (as I was) is that...you get no "magic formula" in return. If you care enough to send an e-mail to the contacts address, you get a form e-mail stating that there must be some problem on your end getting "registered." Funny to have a form e-mail that states such a thing as an automatic, general response to ALL inquiries, right? Guess why. So..there you have it. The purpose of the book. Save your money for books by real financial wizards who have real advice to give you. This isn't one of them.