I am so very grateful for the insightful information pertained in your “Start Late, Finish Rich” book. Before I started reading the book, I felt lost and hopeless. As a single woman with no dependents, living in an apartment, college loan debt and no assets to speak of, I felt that I wasn’t living…just existing! During the time that I started reading your book, I began implementing some of your ideas, such as the “Latte Factor,” and I even started participating in my company’s 401K (now putting away 16% of my income monthly). Not believing that I had the credit to apply for a home loan, you inspired me to “take the plunge.” At least I would be able to see what my current credit score was. Once again, to my surprise, I was approved by one of your recommended lenders (ELoan) ASAP!!! I have closed on my first home less than 60 days and now the sky’s the limit!!! I can’t stop there. I plan on purchasing my first income property in 6 months to a year. Look @ me!!!?! Who knew I had it in me? Thanks for redirecting the life that I knew that I could achieve. Watch my smoke!! I ain’t done yet! Updates to follow. 😉