Hello David. After we spoke on the phone, and after my purchase of Finish Rich and Automatic Millionaire Homeowner I was off and running. I vowed the I was going to complete both books and get started. I did just that. I had some things in place already, but now I don\’t feel guilty about saving. I have paid as much as I am allowed to pay into my pension, so I can no longer invest in that. I opened a 403B with my employer. I hope that will be started by November 1. I am waiting for the payroll department to have all the necessary documents from the company who manages the fund for the employees. The savings will be $100. per month. It is automatic and it is a start. I opened a Sallie Mae savings account. It is an online account and has the best interest rate I could find. I am automatically saving in this account. I have a brokerage account for my children as well as myself. I am funding these accounts as I can. I will use them to help my children start purchasing stocks. I will use my account for my dreams basket. This savings is not automatic but I plan to fund it at least once a month. I have established a ten month plan for paying off bills and savings. I have checked with a bank and found out that I would qualify for a FHA Home Loan so I can purchase a home. I am going back to school to work on my doctorate so I can increase my salary and my value as a employee. I will also have options for future consulting positions by doing this. I plan to start school in the spring. I already had life insurance. I am paying extra payments on my car note by paying weekly instead of monthly. I used the concept you suggested for paying extra mortagage payments each year and applied it to my car note instead. I am a single parent of two and it is not easy but I explained to them that the goal is to buy a home. What is more important to me is that I can do this. Thank you for sharing your gifts with the rest of the world. I gave one of my books to a friend. It was the first Finish Rich book. I kept the more recent one for myself, as a reference. As my motivation and my reminder I have started looking at homes online. I take pictures of rooms in homes I like and print them. I place them in my financial notebook and as I pay each bill and put money into my savings, I remind myself of where I will be in 10 months. I have worked hard to get to this point, and it has been piece by piece but I am seeing the light at the end of the tunnel. I still have a divorce to finalize but by the time I sign at my closing, I am confident that all the loose ends will be tide up. Thank you again. Leslie Edwards (Felder)