I picked up this book thinking it would help me (I'm in my early 30's) to get clear on where my finances are going and what I need to do for the future. It hasn't helped me at all. Don't be fooled by the colourful pages and pictures, it is still a bunch of jargon. It is not easy to understand and is only catered for those retiring or going into retirement soon. So confusing and irrelevant. Skip this one!