Generation debt take control of your money a how-to guide by Ulrich Carmen Wong. 1st ed. Copyright Year: 2006 ISBN-13: 9780446695435 Available format(s): Classic Audio Log in to read What's an Audio Format Audio format refers to the way an audiobook is recorded. Not all audiobooks have the same formats. Classic Audio: A human reading an audiobook without the text displayed. VOICEtext (H): Human narrator with text that you can follow along with as it reads. VOICEtext (S): Synthetic voice with text you can follow along with as it reads.