I just read The Automatic Millionaire. I am most impressed by the chapter on giving back, tithing. We contribute 20% of our gross income to retirement funds and 10% of gross income to charity and life is still VERY GOOD. I believe many books overlook this part of money management and others give it the once over very lightly. The book should be a gift to anyone on the job for the first time. We started at 39 and 36 to save. It’s harder but we can see the money grow. Keep up the good work.