"The 1-2-3 Money Plan: The Three Most Important Steps to Saving and Spending Smart"
http://my.safaribooksonline.com/9780137013876

"If someone wants to sell you a program so you can make big money like they're making, pause a moment.
Think about it. Why would they put money, time, and energy into developing a tape set or live presentation
instead of doing that thing that makes them big money? It's illogical, unless they're truly being charitable.
More likely, they make their big money on selling you the false hope of making big money."

Please just remember, the above statement is not my opinion, but you should always consider "everything".