My Name is Rachel. I’m 22yrs old and from Pacifica, CA. I just finished reading “Smart Couples Finish Rich” and my husband & I are so inspired. We’ve been following your book like it was the bible. Well it is; in fact, I call it my financial bible. Because it’s a financial guide in life that we all need.

Since reading your book my husband started contributing to his 401K. And I’m opening an IRA next week. Also we transfered our “Cushion money” from a regular savings acct. that is only earning 0.10% into a money market acct. that is earning 2.10%.

I used to always wonder why the more money I make the less I save. And it dawned on me when you said in your book “It’s not your income…., It’s how you spend….” The more money I make, the more I spend. Now, I watch every penny I spend. I’ve cut back on eating out and I started bringing lunch. I also stopped drinking sodas, which is good for my finances AND my health. By doing that I realize that I can actually start saving 3% of my net salary for my dream basket.

I’m so greatful for your books, although I’ve only read one, I’m 100% sure that I’m going to read them all. Your book helped me in so many ways not only financially but also career-wise. Before reading your book, I already knew what I wanted I just had no clue on how to get there. Your book “Smart Couples Finish Rich” is truly a map on Finishing Rich.

You also inspired me to go back to school, I’m actually starting on Spring 2005 @ San francisco State Univ. I’m majoring in Business Admin. Concentration in Finance. I want to help my community, I want to help low-income families by educating them how save and open $1.00 porfolios and watch them became million dollar porfolios like Grandma Bach’s.

Again, Thank you for sharing with us you knowledge and wisdom. You’ve given your readers so much- enough to last a life time! I hope that when I’m finished with school I can also give to others what you’ve shared w/ me. And let it be a cycle passed from generation to generation. And by this, maybe America will truly be the land of the RICH.

Respectfully yours,