In “Financially Stupid People Are Everywhere: Don’t Be One of Them,” author Jason Kelly opens by explaining something that everyone already knows: Making money is an uphill battle, and it is one that most people never win. After he explores the underlying causes of this difficulty, Kelly offers strategies that will help you beat the odds. He employs the language of tough love, but his message has inspired a lot of people to make better decisions with their money.

A significant point centers on learning how to sidestep the Western culture of debt. Kelly encourages readers to see through society’s messages about spending and borrowing and learn not only to live within their means but also to take full advantage of their resources. He calls out the banks and businesses for making it seem like they are looking out for your best interests. However, the ultimate responsibility rests on your choices as a consumer, he explains. Complete with concrete examples of people who have succeeded in gaining their financial freedom, this book surpasses other financial books because of its directness and simplicity.

Kelly points out that society lays traps for consumers everywhere. He even goes into detail about how a perfect storm of financial ignorance is what led to the 2008 economic crisis. You will learn the hard questions that you need to ask to avoid those pitfalls and snares, such as credit card debt and underwater mortgages. Some items will pertain to your spending habits and any harmful attitudes about money. In the end, Kelly is confident that you will be glad that you did the work when you come out on top of your finances. Whether you are a beginner or a financial wizard, you are sure to find useful tips within these pages to bolster your bank account.