Dear David,
I’ve read the Automatic Millionaire, and own a hard copy and an audio copy of Start Late – Finish Rich. I listen to it regularly, especially when I need motivation!

One of my success stories includes spending a half hour online, and a phone call.

Looking for my double Latte Factor, I have been systematically going through all of my expenses. I reviewed my auto insurance (same insurer for 15 years now) and found I was paying for coverage for towing, that was already covered by my car dealer – this amounted to a savings of $6.00 a year, but I didn’t stop there. I decided to get a few quotes online, including from the company I am already with. I was quite surpised to find out they quoted me over $50 less per year, as a new customer, than what I am paying now. I also got quotes from a few other companies. Armed with all of this information, I called my insurance representative. I started slow, dropping the towing coverage, gently asked about any other discounts that might be available, then dropped the bomb about the fact that I could get a better deal if I wasn’t a loyal customer. I also made it very clear that I was looking into other insurance companies. You know the rest, but the time I got off the phone (less than 10 minutes) I had saved $156.00 on next year’s premium. I can’t retire on it, but I can invest it, and I’m going to.

Thanks for the advice and the inspiration. There will be more success stories from me, I’m sure!