Mr. Bach, I wanted to let you know that you have changed my financial life. A boss of mine loaned me your “Automatic Millionaire” in October 2005. I was $14,000 in credit card debt, $11,000 in car loan debt, and saving only 10% towards my 401k. Soon thereafter, I bought several of your books, and made a deal with myself that I reread every book of yours until I finish paying off my credit card debt and my car loan. I was very happy when you came out with your “Automatic Millionaire Homeowner” book so that I would have a new book to add to the mix.

As of December 2006, I have one last payment to my credit card (my Xmas gift to myself), and then I begin making double, and hopefully triple, payments towards my car loan. I hope to pay off the car loan by December 2007. I am currently putting 18% of my salary towards my 401k, and I will increase this to 25% in January 2007. My ultimate goal is to max out my 401k with 33% of my salary over the next several years. I also reevaluated the holdings in my Roth IRA in early 2006, and this year it had the best performance since I opened it 10 years ago. Thank you