I ordered David’s CD series – The Automatic Millionaire two weeks ago. I just started listening to them in my car on Tuesday. Since Tuesday I have not only found my Latte Factor (about $10 a day), BUT also found what I call the “Slush Factor”. I define this as money wasted on services I just don’t use. We had both DSL AND Cable for internet PLUS a pay-per month Internet service. I cancelled the Internet service, DSL (which also required an extra phone line) – SAVINGS = $110.95 per month!! I also cancelled all the channels we never watch on TV. Savings = $20.95 per month. (David – I already covered the cost of your CD’s!!!). So now I will take that $130 per month and actually put it towards debt reduction.

I signed up TODAY for my 401K – 4% of earnings PRETAX (my company contributes 50 cents for every $$) – I only just became eligible for this so I am SOOOOO grateful for the product. I have a plan to review in 90 days to go to 5% and 1% after that every 90 days until I get to 20%. ALSO – I called my credit card companies. Discover reduced my interest from 13.75% to 9.9%. Fleet Visa would NOT budge from 15.99% even though my FICO is 701 (YES – I got that on line too thanks to David!), so I went to LendingTree.com and got an offer from AMEX Blue for 0% 6 months – 9% Annual and transferred my Visa balance. When I phoned Fleet back to cancel my card – they back peddled like crazy and offered 9% – I told them TOO LATE!!!

THANK YOU THANK YOU THANK YOU for this wonderful series. I am on CD #5 now and love every minute of it. It’s easy to follow, pratical advice that makes sense. The biggest difference is you are not trying to SELL anything, and perhaps more importantly make ME sell anything! You just give plain simple, logical advice. I will recommend this to all my friends (and may be even an enemy or two!). My only regret is that I did not get this 20 years ago when I was starting out in life. Thanks again!!