I took the Latte Factor experience and found out that I could save some money each week by being more careful about my purchasing decisions. I don’t stop off for coffee and bagel in the morning, but there are other ways we can save as well. As a result of reading your book, I feel better about my finances than before. I’m organizing files the way you suggested. I’ve been doing on-line banking for years and never paid a cent for it. I started an automatic investment system for college for my children. I also consolidated most of my accounts to one investment company (Vanguard) as a result of the information you provided in your book. The other investment websites that you suggested have some very helpful calculators and retirement planners. These have been very helpful in determining where I am at 44 years old and where I’m heading! Thanks for all your help.