Hello, my name is Scott Rudy and I just purchased ‘The Automatic Millionaire’ book today after seeing David on the Oprah show a few days ago. I found the information that was presented on the show very inspiring even though I already knew about most of the information given. The problem for me and I would expect for most people is that they know what should be done to achieve financial security but they just keep putting off taking the necessary steps to get started.

When I first read the Latte Factor Challenge, I found that if my wife and I would quit smoking and I would stop buying food out of the vending machines at work, we would save $272 per month. Some months ago I had already stopped buying coffee at work and started taking my own. That alone was a savings of around $72 per month. The only problem that I see with that is I didn’t invest the money saved and I just spent it elsewhere. If we were to stop smoking and I was to stop spending money in vending machines we would save $3264 per year and at a 10% return on investment, we would have $21,238 in just five years and $56,182 in ten years. “WOW”.

I don’t consider my wife and I to have a lot of luxuries. We live paycheck to paycheck. We are in our mid forties, and we are very worried about our future. We both have developed stress problems over our financial situation.

Thank you for the inspiration that you have given us and many others out there like us.