I feel that this book should be directed primarily at persons who have recently left school, or university, and are about to start their first job and collect their first pay cheque. There is so much temptation out there, that it doesn't take long for young people to want to try and buy all the exciting things that they never could afford at school. And because credit is so easy to get, it's not long before they find themselves in debt. If they pay off the debt, that's ok, but what happens, is debt becomes a habit. This book tries to steer them away from debt, and get them into a savings and investment habit.