I've had this for a while now and have loaned it to a few people. A very well written book. I hate books where the author thinks you know a ton of stuff going in, even though they are 'beginner' books. This one is written in easy to understand language, yet in a smart way. I'm not sure if there is a newer release, but the one I have is very good. As with most advice, though, you have to use what you can. If more people read this and used some of the advice, there would be a lot less credit problems now a days. The best advice is don't buy with credit--if you don't need it today, save up and buy it. If you can afford the payments, you can afford the savings even more.