I don't know what to think about this book. I really liked the psychological aspect that was mentioned mostly until the middle of the book. It gave you a way of looking at the subject from another point of view. And it that respect, the words can really open your eyes... But in my case they already were! As to the solution, I am not convinced! Perhaps, because I am not really indebted, but I will try his financial plan and we'll see... The thing is, I already have a monthly financial plan, which I keep up to date daily, and it never helped me not to junk-spend (as he calls it). I know very well how much money I have and what I can "afford" to spend. So, again, not very convincing, ... I already knew that I have a problem, and I do understand the psychological reasons for it, but when I want something, nothing is going to stop me! It is that "need" and "urge" to buy things that I do not really need which I would like to get rid off, but I do not see how this book will help me with that!