It really is very funny to read some of the negative reviews on this book. It is true that if you are not in debt and in control with your money than you have probably already done most of Ramsey's suggestions. This book is probably not necessary for you folks.However, the fact is that a very high percentage of Americans use debt as a way of life and have no idea how to stop. It is true that this book is common sense, that is, it should be common sense. Just because this book is common sense does not make it a bad book.Ramsey does a great job at motivating people to get wise with their money. This book served as a good starting point in my marriage as we had a lot of misunderstandings about money. It has motivated us to start out on the right foot.This book does not give the detail that someone looking to invest would want, but if you don't have any money you won't need to know that yet anyway.