He's a mixed bag. Some sound advice, in particular the parts about living within one's means; but there's also things that are utterly unrealistic, like: > If

He's a mixed bag. Some sound advice, in particular the parts about living within one's means; but there's also things that are utterly unrealistic, like: > If you were to invest that (...) into a good mutual fund with a 12% rate of return, you would have over $100,000 in 10 years! At 20 years, you would have made $470,000. And at 30 years? That mutual fund would be worth $1.6 million! Maybe I'm not savvy enough but I have not encountered mutual funds that will reliably sustain 12% over three decades.