I have worked in investments and money management for a long time. I am a big fan of Jonathan Clements. I think this is a terrific book. The advice and information in this book are excellent. chapters are short, the points he makes are clear and practical. You can read a chapter in a few minutes and get valuable insights. You can read the whole book in a relatively short time and get a good overview of most of the important issues regarding your personal finances. Almost everyone can benefit from reading this book. I have gotten copies of this book for several of my friends and relatives. Buy it and read it,you will have a hard time finding a more rewarding way to invest your time and money.