This book will not work for you if you are truly living paycheck to paycheck already. Yes, I know that one of the best ways to build wealth is through real estate ownership but that doesn't help if I don't have a down payment. Yes, if you take a "volunteer vacation" it is cheaper than spending money on a real vacation. But if I can't afford to take time off work due to lost wages, that doesn't do me any good either. I have already cut cable and my landline and already pack a lunch every day. In the chapter of "25 Ways to Save $5000" there was not one thing that I could have applied to my life that I'm not already doing. This book is great if you have at least $500 per month discretionary income, but useless if you are not already doing well.

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