After reading this and a few other Money books over the last few years it seems to come down to a few major points.
If you can't pay your credit card off in full at the end of the month don't put it on there at all
Start a regular savings plan to use for emergencies.
Live within your means not above it.
Why do you think that so many people(not just in the US but around the world) have so much difficulty following these (what I think are) simple points ?
