PLEASE DON’T GIVE UP!!!! I know how frustrating it can be to try to save enough for a house, pay off your debt and get approved for a mortgage. Four years ago, my divorce was finalized. I was left with over $20,000 in debt and wasn’t making much more than that for my yearly salary. I had my cell phone shut off a few times (I didn’t have a home phone), and one of my credit cards had a minimum monthly payment of $160. I was feeling completely stressed out and then I found David’s book. It completely changed my life. I started saving for a house after figuring out my Latte Factor, even though I had no clue when I would be able to get one. I also started paying down my debt. In 2006, I completely paid off my $20,000 debt(using David’s advice about getting your interest rate lowered). About 6 months after that, I started dating my current boyfriend. We decided to save as much as possible every month (at least 10%). When I tried to get a mortgage, I was turned down because my credit was about 550 and my boyfriend’s was even lower. I was devastated. It took 6 months before I got the courage to try again. I was turned down yet again. Then, I went to the FinishRich website, and decided to give Wells Fargo a try. Bill at Wells Fargo called me the next day and I was approved. We put an offer on a townhouse, but a few weeks before closing, the deal fell through and I lost $1200. I was upset, but didn’t give up. Well, everything happens for a reason, because we ended up finding a house (instead of a townhouse) in a great area. My company finally got a 401K and I am up to 12%. I got engaged 2 weeks ago, and my fiance and I are closing on our house in 10 days. I finally have my own piece of the American Dream. For those of you who think it is impossible, please don’t give up. Sometimes, it feels like you will never reach your goal. In the end, if you are consistent, you will be able to achieve what you set out to do. Thank you David for changing my life for the better!!