Our planet’s youngest generation of people face hardships unique to the era in which they live. With more debt and less income than generations before them, millennials have grown up in a financially stagnant world and are now at an age where they must try to forge a path to financial independence, despite the grueling challenges that come with it.

This journey is no small feat, but Ramit Sethi’s book I Will Teach You to Be Rich offers guidance for anyone looking to achieve financial independence, no matter where they’re starting from. Sethi believes in an “85% solutions” approach to finances: Simply getting started, even if you only get 85% of things right, is better than doing nothing at all.

The first three weeks involve building a financial foundation through savvy credit card usage, setting up a no-fee, high-interest savings account for short-term goals, and opening investment accounts, even if you only have $50 to start with. Sethi especially stresses the importance of paying off your credit card balance every month; credit cards have extremely high-interest rates and not paying the debt as quickly as it’s accrued can have devastating consequences on your ledger in the future.

The next two weeks talk about tracking, prioritizing, and automating your monthly spending to ensure you have enough to get by while still contributing to the investments and savings you started earlier. Sethi scorns the traditional budget, instead opting to organize monthly income by percentages into certain categories: Superfunds, investments, and savings each get 5% of your income, leaving the rest for fixed costs (rent, utilities, etc.) and your credit card payments. Sethi also recommends linking your credit card to your checking account to allow for easy payments and to keep you mindful of your balance.

In the sixth week, Sethi discusses what he calls “the myth of financial expertise.” Many everyday people don’t invest because they don’t believe they have the knowledge to do so, nor can they afford to enlist the help of an expert. However, these so-called experts often have little more insight on the ups and downs of the stock market as anyone else. They’re also able to hide their failures and show off only their successes, something called survivorship bias, which make them appear more reliable than they really are. Instead of relying on experts, Sethi walks you through the investment process himself, showing that investing isn’t “just for rich people.”

Finally, Sethi asks readers to consider two questions: Why do you want to be rich, and what does being rich mean to you? The answers will be different for everyone but having a solid idea of your values and goals will help keep you on track over time.

While getting rich in six weeks is unrealistic at best, Ramit Sethi offers sound advice to help anyone revamp their finances and set a solid foundation that will, in time, lead to financial independence and even outright wealth.