I’ll leave this one at five stars not because it just changed my world view, but because it’s a book I continue to come back and reference over the years. I first read this book back in ~2014 when I was in college and have been letting it speak into my life and keep me on a strong path since. I haven’t always followed it to a tee, and I too had my reckless credit card phase… but I gave this another read-through while on vacation this January. Each time through brings its own little revelations and reminders. Dave’s a character, for sure, but his common-sense points remain true day by day.