Dear David, Thank you for writing and sharing Start Late, Finish Rich. You make it simple to understand and get started. The idea of facing our debt and dealing with it was scary. But once you face it you can control it. Like the latte factor! We had alot on that list. The first and most expense thing for my husband and I was to quit smoking cigarettes. Granted it wasn’t easy but we want to live long enough to enjoy the 401K and other investments. We pack our lunches now and bring our own thermos for coffee (little things mean a lot). Another thing was to get our finance charges lowered. I didn’t know you could ask the credit card company to do that. Next step was to pay our mortage 2x’s a month.(You don’t pay more, you just pay differently). Once you get things rolling it’s like playing a game. Now we are always looking for ways to save. A local gas station offers 3 cents off per gallon of gas if you pay cash. Why pay 3 cents more than you have to? Thanks a million,