You have really helped my husband and I! We’re both 25, and recently paid off all of our credit card debt. We also managed to save over $7,500 toward our dream of moving to Hawaii.(I used to live there, and I miss it badly.) I wanted to keep our fund in a cardboard box decorated with pictures of the island in the living room. There I could gaze at, caress, and smell the money to feel how close we are getting. Since reading your book, we’ve opened three different mutual funds and decided to put Monopoly money in the box instead!! My husband owes you his deepest gratitude for swaying me to the side of reason, and our funds are going to grow instead of gather dust in the living room! Feel free to use me as an example of what NOT to do in your seminars and books!