Mr. Bach,

This book was very interesting to me. My husband and I will be getting it for both our children, ages 29 and 25, for Christmas this year. I have always been a saver, so for me it was more interesting to see if I was on track. I already count for every cent spent every day by my husband and myself to see where our latte factors are. I would have to say, it might be our vacations, but that is about it. I’m lucky if I spend $5.00 a week on nonessentials. I always pack my lunch and my husbands. I do like a Carribean vacation every year. We are 46 and 48 and only have a house mortgage. No other debt. We use a credit card, but never carry a balance. Last year we traveled to Aruba, (air-fare tickets free), from the points on the credit card. Since age 30 we have been using the 401K’s which did excellent until the year 2000 and it seems they are not growing very fast although we still put 10% of my husband’s pay and I just raised mine to 15%. Both of those are automatic withdrawals. I’m going to start paying $200.00 extra on the house payment every month. Probably won’t do that with the automatic Payments, but I’M Very disciplined and It will happen. Some people say I’m too disciplined and to the point that I’m extreme about these things, but I don’t want to work forever. I just wonder what will be enough for retirement, since I’ve not seen our 401k’s do that well since 2000. I’m diversified in them, and loved your charts in the book. That really has helped. We have well over 4 months of emergency fund in a OMA account. I guess I just want to get the house paid off and more in my retirements and savings. Thank you for a wonderful book.