Thank you Jessica for the nice ranking of these self-helpers! Personally I've only read and actually been through a whole course on the Covey book. Thos Habits are a great starting point for anyone that cares to start developing as a person and leader. The points on the millennials is refreshing, as I refused the tag for so long, yet realize belatedly that I fit those professional and financial definitions perfectly. Zeroing out my student debt with disability and personal debt with bankruptcy was required and painful steps to take. Yet, I am still here and have a decent credit score after like 2 years of none now. I just have to keep walking and processing life a day at a time, the best I can do that! 😁❤️