This book is just another one of the best authors I have ever read. Dave Ramsey is one of the best authors out there, I listen to his radio show. I own all his books and I have attended his classes as well. The author of this book has so many valid points and makes so many great arguments. I love everything that he says in this book, he keeps coming out with better and better books. It amazes me how much this guy has to say in all of his books.