I already own this book, but I bought it also for a friend who needs it. Dave does a great job of helping you change your mind about debt and the ways we deal with it. He's very no nonsense, but very kind and humourous at the same time. His snowball method works for people of all incomes, and for people who are desparate to get out of debt and start saving, or just those who need a tune up on their spending/saving habits. I've been recommending it to everyone I know.