A gift for yourself and those important to you (trust me I have bought 11 so far). This is likely the most relevant and practical assembly of Canadian financial concepts available today. In my experience, the material has resonated with a diverse age & financial competence range (see 11 gifts). This is a fun read, presented in an entertaining and logical format that fosters understanding, while avoiding needless complexity. In my opinion, Dave does a fantastic job of identifying the significant drivers of financial health and takes clear positions on the issues; supported by facts, opinions and real examples. This book is written with the audience in mind, distilled down to digestible concepts without taking the "teeth" from the issues. I particularly appreciate the humility of the vantage point, you are made to feel that Dave is a wise older brother or friend, sharing valuable advice and coaching - you trust him. Let's face it, we are not "hunter gatherers" - and for most of us, the ability to effectively manage our financial resources is simply a necessary life skill; money pressure can be decimating and it affects all classes of Canadians. If you put some of these concepts in place, I trust you will witness how seemingly small changes in course - can have an incredible impact over time. There is a peace that comes with the awareness that you have a level of control over your future, competence leads to confidence - and ultimately, well considered decisions. I encourage you to experience this book and share with others; it may be the most impactful gift you ever bestow.