"Novel" is the correct term. The book is a work of fiction.

But I understand your point. It is motivational. I agree.

My point is that there are plenty of other personal finance books that are both motivational and factually correct and full of good practical advice. Hence the negative review.

Maybe we can move onto what the OP asked... putting the ideas into action...

One of the few snippets I found myself agreeing wholeheartedly with was regarding the folly of desiring a "secure" job.

When I was 19, I got my first "real" job in an office of a multi-national commodity conglomerate. I worked as a contractor, earning an hourly rate that, when annualised, was more than 2x what the "permanent" staff earned. The higher pay made up for the lack of "security".

The permanent staff had to work unpaid overtime to demonstrate their "commitment" to the company. I got paid for every hour I worked. At the end of the six month contract, the project was finished. The permanent staff were all made redundant. So much for "security".

I've been a fan of freelancing ever since. And it's worked out very well so far.