As a brazilian this book is not that good. My mistake, I never tought that the financial system could be so different, so the tips the author give in wasn't so usefull for me. But it still is a very nice book about how to deal and face money problems. Makes you think about what is a Rich Life for you. It changed my midset about it and now I have my Rich Life settled, on the ground (not in the clouds), and I started to go for it. Started to build my Rich Life, thanks to the book.