Hi David,

I am 45 years old and have just started reading your book “Start Late, Finish Rich”.

My wife and I separated in August last year. I took with me the family debts and enough possessions to live in a rented room which cost me £325 a month.

I have just done my Latte Factor and worked out I was spending £170 on petrol a month. I now go to work by train for £52 a month.

I reconciled two credit cards. I was going to cancel a card I did not use anymore. I have transfered the balance of my other two cards to that one without charge, with 0.9% interest rate for 6 months then 7.9%. This will save me £52 a month in interest. (The best deals for credit cards are 0% for 6 months with a 2% fee for each amount you transfer.)

I also used to buy a discounted breakfast at work which was another £20 a month.

My new girlfriend is letting me lodge with her for no rent.

My total savings each month are £515 — this equates to about $941!!

I have also found a property investment company that has been going strong since the early 1980’s where for investment lump sums of £5,000 you earn £150 every four weeks. This gives a return of 39% a year on your money.

This will be the start of my portfolio. They also give lists of properties that are for sale at discounted prices so I will be hoping to get back on the property market soon.

Your book has inspired me that I can improve my personal circumstances and there is a wealthy life after my divorce. I look forward to finishing the book and being able to implement more of your ideas.

Thank you for showing me the way forward.