David, just picked up The Automatic Millionaire last night and finished it tonight. Thanks for the great information. It was refreshing to read your book as it did not give some of the get-rich-quick ideas I have seen in a lot of books. Some of the books I have picked up have encouraged people to leverage themselves in ways that I feel can be dangerous. In your book it is just great advice. I am lucky as I have been paying myself first for many years and just as you say in your book, it becomes easy if it is automatic. I have been saving the max that the law allows in the 401K plan we have where I work from day one.

I also use direct deposit and have a money market account set up for that. Basically what your book did for me was to assure me that what my wife and I have been doing for the past 23 years is correct. We just need to tweak a few things. I am interested in finding my Latte Factor! I did run the numbers on the Sleep Well Test and found that right now we can cover a little better then 48 months. For the past 14 years I have been using the Quicken program which I think has a great deal to do with our good fortune.

My wife and I are able to give more money to charity then I ever thought we could. The old saying to give till it hurts can make one feel so good! The part in your book in regards to paying off your home was refreshing. We have paid off our home, and two of our three rental properties. We have made additional principal payments each time we make a payment. In fact in two years we have saved $89,623 in interest. The bank might not like this but I do. This is the only debt we have.

Bottom line, your book is great. I plan to buy additional copies to give as gifts to young people. I am 51 years old and plan to retire in about 14 months and most of that is because of automated savings. Thanks,