David,

Your name was brought to my attention a few years ago (Thanks Karen!!!). She told me about your book Smart Women Finish Rich. It was such a refreshing book to say the least. I was around 32 at that time…it was great to see that what my father told me was the same thing that you did. I have been saving for retirement since I started working after college at 22.

I, of course, did some of those “stupid” things with my money and debt over the years, but I can say that at 33, I am FREE of DEBT–I have NO credit card debt. I can not even express what a feeling that is.

I have and will continue to always put my pay increases in my TSA (403b) and since I am also in the military (reserves) I participate in the TSP which is similar to the TSA. I have also opened a Roth IRA and am building my “emergency fund.”

Oh and the “filing system” you suggest is perfect. I am sure that my mother truly appreciates it also as since 2001 I have deployed with the military numerous times and she knows where “everything” is.

The other thing is that my single and married female friends all receive your books from me ;-). I feel like I should pass this amazing information on just like my friend Karen did for me.

Thank you again for the assisting me with gaining financial freedom.