My husband and I married 5 years ago and had tried budget after budget only to fail miserably each time. I\’m a CPA, so you can imagine my frustrations when I couldn\’t get my own household spending under control. Two years ago we listened to \”The Automatic Millionaire\” while on a long road trip. We then realized that we weren\’t alone and that few people can make an actual budget work. Since then, we set up an automatic draft twice a month to put money into a high interest earning savings account at ING. In a matter of months, we had our emergency fund set up and soon started an account for vacations and a new (used) car. We bought that car with cash and soon paid off my husband\’s truck. We have also taken at least 2 nice vacations a year, and these have been paid for with cash! We also gradually increased our 401K from 4% to now 15% and now we are working on paying off our house, which we hope to have paid off in 15 years. We are also giving to the local United Way (through automatic payroll deduction!) and to our church. Thank you David! We are finally proud of ourselves and our spending habits! And this was all accomplished in 2 years!!