David,
I purchased a copy of “Start Late,Finish Rich” at the airport as my fiancee and I were leaving for vacation. The hotel we stayed at was kind enough to mail it me after we returned. I had left it in the bag from the newstand with the reciept still inside the cover.

Admittedly, I have yet to read the entire book however, I can asure you I am a true canidate for your process. I am using your “Latte Factor” on my own finances right now and believe I will find about $300 a month.

I have seen you on Oprah and actually have already taken some of the steps you suggest. I have found the credit shovel beyond resistance which has provided me with the opportunity to stage a tremendous comeback.

I am 45, have about $30,000 in debt and currently make an average of $65,000 a year. Reading your book I find I have erred in my plan for solvency by omitting a savings plan.

I consolodated my debts by borrowing against my retirement plan and then ran my cards up again. I bundled this credit card debt onto one lower rate card (4.9%) and have been paying on the two for about 14 months. I would like to purchase a home however, I would give up the lower rate on the card if I adjusted the payment. The loan against my retirement will be paid off mid September 2005.

With the purchase of your book I created a debt far greater than any I had previously known…a debt of gratitude. You have educated and inspired me. I can only hope you appreciate how heart felt my thank you is.

I will write you in a year and let you know the financial impact your advice has had on my future.
Thank you very, very much!