By automatically direct debiting ten per cent of your earnings and investing that properly, argue the authors, you can build up a substantial reservoir of savings without feeling deprived. They offer sound financial advice on how to keep investing that ten per cent for maximum return (not with a usual bank savings account but investments with more return). They show that by saving ten per cent of a 20,000 a year salary for example (without counting on it rising) over a 20 year period you can build up a nest-egg of nearly 400,000. This guide is designed to appeal to people with modest incomes and no personal financial strategy. The jargon-free language and friendly style (brief snippets of dialogue between three central characters precede more straightforward text) make it suitable for a wide readership.