Orman’s top financial tips revolve around knowing the FICO score, saving money on the side, and making wise purchase decisions.Orman (2005) starts by stating that being broke is a matter of “relying on a cash advance on your credit card to pay the rent or mortgage, and praying that you have enough on your credit line to do so,” as well as “having a ton of student loans” and “not opening credit card bills” out of fear and then taking the late fees when they are not paid (p. 12). This differentiates people who are broke from people who have a limited amount of money. Therefore this book, unlike Tyson’s, is taking a stance on where their reader’s are in their lives. Instead of dictating how to save money as a passing habit, Orman is dictating how to save money and recover if the reader is already close to being, or is broke.Orman’s first bit of advice comes from the Fair Isaac Corporation, or FICO score. According to Orman (2005), one’s FICO score not only demonstrates where a person is financially, but it also determines the sort of things a person with a good FICO score will be capable of purchasing over someone with a poor FICO score. For instance, someone with a good FICO score would receive a lower interest rate on a car loan over someone with a poor FICO score. Score range from 500 to 850, with 850 being the best and 500 being the worst (p. 23).FICO rates depend on not only the rate at which bills are paid, and whether they are paid in full or not, but also by shopping habits. According to Orman (2005), credit card companies share spending habits with FICO, so that they are better able to generate the report. Student loans as well as careers are also piled into this report. Orman (2005) suggests readers learn their credit score to be sure that everything is correct. She even offers three credit bureaus.