As a life coach, I have bought several copies of this to give to others. It really could use an update, but if you truly follow the step by step guidelines you can become debt free. This is no magic bullet, but it certainly can give you a road map. The fifth law of decline says that the negative motion we create in our lives by the poor example of financial discipline that is taught in our society, is painful to reverse. If you commit to making the change in your lives by following this road map, and continued education in economics and sound financial principles, you CAN change your life dramatically!