Whether or not the author intended it as such, I found his commentaries much less important when he was talking about money than how to deal with almost any situation in your everyday life. While it is important to face facts and make hard decisions, some of his pointers made perfect sense and provided a "snap out of it" warning to the reader.
Mr. Richards' advice to "have a real plan" perfectly describes how you should be looking at your life as a whole. He states that you should look at where you are today, where you want to be later, and how to behave to get there. "Admit there is a problem" is a tough statement, but a necessary one if you aren't in exactly the place you want to be in life.
Some other comments include "face the fact that cash is not a solution to a crisis." Money certainly helps but if you keep making bad decisions in any part of your life, the money will run out and you will still be in crisis mode. Although there are many more nuggets, I need to share one more with you. "The past is the past. What matters now is making the right decision today." If bad decisions provide bad results, perhaps you need to start changing what you do so that your results will reflect that.
One comment of the author's that I do take exception to is his statement that "planning for the future is important, but it needs to be done in isolation to avoid overshadowing the joy of today." I very much disagree with that statement, because the so-called joy of today may have been built on false assumptions and lack of knowledge of how that joy has been attained. If that joy of today is the calm before the storm, then the future plans are going to be very much impacted by today. I personally feel that planing for the future can add to the joy of today, knowing that it can be controlled by you, instead of the other way around.
Having said that, I think you should read this book and view it as a broader approach to life beyond money.