The wealthy barber returns : significantly older and marginally wiser, Dave Chilton offers his unique perspectives on the world of money

The "The Wealthy Barber Returns" is written in a relaxed, humorous, conversational style that I found very appealing. It begins with some sage advice on the pitfalls of over-borrowing, describing the forces that draw us into debt traps and the basic human weaknesses that drive us to keep up with others in the quest to accumulate things that, in the end, are of little enduring value. I agree that the false sense of security provided by an abundance of available credit forms a dangerous mindset that can lead to disaster, especially when that credit line is represented by a mortgage on the home. For most people the concept of a Home Equity Line of Credit is too much of a temptation, leading to the illusion of short term gain followed by the reality of long term pain. Dave even takes a couple of refreshing swings at the banks for their tendency to want to lend us up to our rooftops. He recounts one story where a woman he sent to the bank to get a very modest secured line of credit was immediately up sold to the max despite her history of debt accumulation. I'm sorry to report that this is not uncommon. I was a consumer lender for 25 years and it was my job to maximize profit within a consumer loan portfolio. I was paid to lend as much as possible at the highest possible rate without causing losses and not to share that philosophy with my customers. My paycheque depended on it. "If you've always thought of money as a dry and dusty subject, let Dave show you just how interesting it can be. While you're at it, learn a thing or two about your personal motivation and how to point it in the right direction. And laugh your socks off, too! I thoroughly enjoyed this book!" Gail Vaz-Oxlade, TV Host of Til Debt Do Us Part and Financial Author "The Task Force on Financial Literacy can stop dithering. All it has to do is distribute Dave Chilton's long-awaited The Wealthy Barber Returns." Jonathan Chevreau National Post Columnist and Author of Findependence "Very funny. Very smart. This fast-paced journey through the world of personal finance will help a lot of people. I loved it!" Amanda Lang, CBC Senior Business Correspondent "A simple plan for a better financial future: Read this book. It's down to earth, fun to read and wise to all the mistakes people make in managing money." Rob Carrick, Personal Finance Columnist, The Globe and Mail Insights into saving, spending and borrowing Random thoughts on personal finance.