First and foremost, while I think Dave Ramsey is pretty off for anything beyond the basics of personal finance, I was interested in this book, so i picked it up. I think Rachel is super spot on with how your experiences growing up and your mindset impacts your money - in turn, using this to better budget and plan.
But this is a book I wish I would have read in my 20s. Now that I'm in my 30s, its all feels pretty basic. Therefore, I would highly recommend this book for anyone starting off on their personal finance journey, regardless of age. However, if you are further along and you already know the basics of personal finance and you know yourself, then I'd pass.