This book gives you the feeling of wanting to get started right away. I'm in my early 30's and I feel I have wasted years of financial gains. As this book mentions, the sooner you start the more financial gains you will have by retirement. It is definitely a book for the rest of us who don't know much about finances. It is easy to read and understand. The author 10-step process is easy to follow and it is a proven way to make the most of your money. If it worked for the author it can work for you. Get started now!