David-

I would like to thank you for changing my life. I started reading your book Start Late Finish Rich and in the past month I have completed The Automatic Millionaire and The Automatic Millionaire Homeowner as well. I am addicted.

I have always thought I was pretty good with money but, I wasn’t saving or paying myself first. I was unemployed about 5 years ago during the downturn of the technology industry. For several months I lived off my credit cards. I racked up over $25,000 in Credit Card debt. Well, I transferred the balances to a 0% of the life of the loan account. But, it didn’t end there. I was now paying off the 0% card while racking up my other cards.

After reading your book I decided to take out all of my credit cards from my wallet and only use cash. I figured out a round about budget for myself which I know you go against, but, I needed an estimate of how much I can afford to save each month. Well, I decided to stretch that savings by 15% over what I thought I could save. Now, let me tell you, it’s not easy, but, I have gotten use to not using my credit cards and saving like a mad man. I realized that I waste way too much money on lunch and dinners. Living in New York as you know is an easy place to eat out every night. I decided to cut back going out to dinner to once a week. I had to since I was now putting all extra money into my savings account. Let me tell you, it is amazing to see how quickly my savings has grown in the past few months compared to my credit card debt growing. I know have a good little nest egg that I can use as my security fund.

I am now saving to but my first home and I wanted to tell you I have my girlfriend, sister, and parents all reading your books. Thank you for changing the life of me and my family.

Best regards,