This book is a description of the processes my family has gone through to get to where we are today. I'm retired at 55, and we own our home and three cars. We have debt. We pay interest, and most important, we're methodically saving to replace items as they break or wear out (which of course is virtually everything we own). The pages of the book provide the reader with the 30 levels that must be achieved to place you and your family in a debt-free, stress-free financial situation. Each step improves your position. It's a financial lifestyle. A lot of books have been written on this topic. This book is unique in several ways. The book is short and blunt. That's because the solutions are simple. I don't waste your time. I provide forms that will aid you in your planning. Also included are illustrations to drive home a few points. Most importantly, you'll learn how to set up a Replacement Fund. I learned about the importance of a Replacement Fund when we were investing in real estate. I think the Replacement Fund concept is the most important difference when you compare this book to other books on the market.