I already gifted this book once to an early 20s gal pal and will again. This is the info/push I WISH someone gave me two decades ago when I started working. I would recommend this as a great beginner read to being financial stable and independent and asking all big money questions we are taught are icky and rude to ask of anyone. 

Tldr; emergency savings, invest now, pay yourself first/most, and never accept that you HAVE to stay in your current financial situation. 

I debated between giving it a 3.75 and a 4 because of (valid) criticism that this book is not very mindful of intersectionality and the difficulty of those in lowest incomes to take really any of the advice given. 

But I think Tori wrote from what she knows, she gave credit to what she could never experience (e.g., being a black woman and getting paid even less on the dollar compared to men and system oppression of immigrants, people of color, and the lgbtq+ community).