This book inspired me to create my own emergency fund and get myself together financially. Rowley explains how and what we need to do and gives good reasons why from financial, quality-of-life and psychological perspectives. Love the great real life stories of women and how money has played a key role in their lives. In addition, the book is loaded with financial information. Read it with a good highlighter, Post-Its and/or notepad. I gained a lot mentally and financially from this book. This book will remain a resource and tool on my shelf for a long time.