David – I am so excited about documenting my story. I wanted to let you know how your book (Start Late, Finish Rich) changed my situation. My husband of 28 years walked out and left a note 3 years ago. He left me penniless with one child in college and one in private high school. We were living above a friend’s garage with no kitchen and barely any heat. I felt like I was down a well with no way up. I got a copy of your book (don’t remember where) and read it cover to cover. I started working really hard (3 jobs and got my real estate license), I saved every dollar I could. I stopped all extra spending (latte and double lattes) and started an IRA and CD’s. In just 3 short years my credit score went from the 400’s to almost 800, I have no debt, my cars are both paid off, and I just bought a house!! I am hear to tell you it is possible to recover if you make a plan and stick to it. My son just graduated from a private college and my daughter is through her first year. I have been able to help them both with school and still save. Thank you David for changing my life and for teaching me there is another way!!