Tough times call for tough medicine, and the recession caused by the subprime mortgage crisis qualifies as tough times. The mistakes people make with their money are basic and avoidable and the same polite presentation of financial basics is not needed. What's needed is a smack upside the head, and this book is it, Kelly illustrates the four major tenets of getting money right. Financially Stupid People Are Everywhere: Don't Be One of Them also contains real life stories of the money mistakes that others made and what you can learn from them. It investigates, explains, and offers advice for all those that have fallen into debt, taken the second mortgage, been trapped by credit cards, or the numerous other financial woes. In tough language, Kelly presents the what you can do to stop the cycle of borrowing and spending, and how people failing to follow these rules allowed the subprime crisis to develop. He believes it is time we stop blaming only the institutions that have a record of failing us, take responsibility for our part in the mess, and achieve financial freedom for ourselves by managing our own money correctly. The book's message is a positive one: don't let the shenanigans of government, banks, and big business trap you.