David:

Well we were able to complete the last of the homework last night (Monday Sept 13) and was amazed at what all we have learned and experienced in one week!

Since we had already read a couple of your books and have been fortunate enough to start early on the lessons, we had previously (July 2004) determined our Latte Factor and made the changes. We had also semi- “automated” ourselves a few years ago just as the McIntyres did. However we learned we needed to revisit it to maximize our retirement accounts on today’s standards. We also jumped on the idea to automate payments as well our mortgage!

Since we had already addressed our Latte Factor previously, we still tracked our daily spending. Boy was I surprised to see our lazy spending habits. Even though we “have” the money, we were able to recognize we needed better control of our day to day spending.

Once we completed the files (AGAIN!) I went through the “Where Does the Money Really Go”. Talk about an eye opener! I had filled it out without bonuses and commissions. Thank God for bonuses and commissions! We see that the lessons learned through the latte factor this week it is important to ensure financial stability and control!

Thanks for your help and we look forward to another great session tomorrow night (Wed Sept 15)!