There are two Suzes.
I really like the first Suze. I’d say 90% of the book was written by the first Suze, possibly in combination with the first Suze’s ghostwriter/assistant. This Suze gives you exactly what she promises: a clear, straightforward explanation of how FICO scores work, how a 401(k) works, how to buy a car, and all of those other financial details that are extremely useful to people just getting started in life.
She’s even aware that her Gen X and Millennial readers are experiencing different financial realities than previous generations, and addresses her advice to fit these circumstances. Perhaps her most infamous piece of YFB advice is to go into credit card debt to finance your early career, since you won’t be earning enough money yet to pay for your necessary expenses.
(If you are familiar at all with the Suze Orman story, you’ll know that’s exactly what she did: when she got her first job at Merrill Lynch after six years of waitressing, she immediately bought a $3,000 professional wardrobe on credit. That was in the very early 1980s, and according to the US Department of Labor’s inflation calculator it would be the equivalent of putting $8,661 on your credit card today — just for clothes.)
So I really don’t have any problems with the first Suze. She seems cool.
But then the second Suze slips in.