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Orman's point--in this and her number one best-seller The 9 Steps to Financial Freedom--is that you had better face fiscal facts and avoid fear, denial and the self-fulfilling low expectations the novelist William Wharton called "the Poverty Mind". She comes from a nation of cheque-bouncing, late-fee-incurring, guilty bad planners. How long will it take to pay off that £3,000 Visa bill with minimum payments? Thirty years, you poor, dear fool! What would you gain if you bought stocks instead of your daily latte for 30 years? £165,152! Her book might have been titled The Courage Not to Be a Self-Sabotaging Neurotic.
Orman yearns to enrich your life emotionally, too. If you can't stand discussions of the psychological origins of fiscal decisions, or self-help lingo like "money is attracted to people who are strong and powerful, respectful of it, and open to receiving it", you will want a more nuts-and-bolts adviser. If you want pep talk, true tales of woe and makeovers, and a jolt of a true pop culture phenomenon, Suze is for you. --Tim Appelo
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