Charles Givens does an excellent job in explaining where people really lose money in life...in the red tape of taxes, banking, insurance and investments. I was broke and bought the book for $16. I couldn't put it down. I drove down the street and cut my vehicle insurance in half, after reading a few chapters. The saleman was mad, just like the book said he'd be. He had me overinsured. I can't say enough good about it. One drawback though, Charles Givens isn't for everyone. Read the book, "The millionaire next door". If you are an "Under Accumulator of Wealth" (UAW) then MR. Givens isn't for you. If you are a "Prodigious Accumulator of Wealth" (PAW) then Givens is for you.