This comment adds clarity to a new angle on the discussion. Not sure why the downvotes.<p>There is a huge class of working poor, who earn just enough (or not enough) to cover real necessities. For this group, there&#x27;s not much value in advice on economic strategy. Even in the event of a moderate-sized windfall, the history of scarcity makes it impossible to use a windfall to improve your situation in a lasting way.<p>However, there is another huge class of people in the US who earn more than enough to be free from economic worries and start building serious wealth, yet they squander their huge paychecks each month. For this group, maybe books like this can have some value.