The Balanced Money Formula they present in the book is the most realistic and least gimmicky financial management system I've ever encountered. The book is a quick read -- I finished in a few hours -- and when I was done I had a very clear picture of what things were putting my finances out-of-balance and what I needed to do about it.
For me, the answer was to pursue better paid work in a more affordable city. I have since achieved those goals, and as of last October I am pretty well in balance -- I still have some debt, but there is enough room in my monthly budget to both pay it down and save for the future, while at the same time having enough money for my must-have expenditures and a healthy budget for "wants". IMO the wants budget is one of the best parts of the Balanced Money Formula -- Warren and Tyagi assert that financial asceticism is counterproductive and that everyone deserves to have a wants budget, no matter their income.
There are a handful of books I've read that I consider to have changed my life, this one is ranked #2 or #3 in that list.
