A book that is practical and life-changing, Rob takes one of the most pressing modern crises, living with unmanageable debt, and in his usual hard hitting but supportive way, he gives help, not just in climbing out, but also in understanding what it is that encourages people to live on credit. He takes bank and other lending companies to task for actively offering debt based life styles and shows that it is not just that individuals are responsible, but that we are all victims of a cultural expectation that expects us to have debt.

As well as offering solutions this book will challenge the status quo and call for a different financial mind set.