I just wanted to say your book is excellent for wannabes like me who make all kinds of excuses. I will be retiring in the next 3 yrs. at the age of 42, but had I put the maximum in my accounts, I would be in better shape. Later today I will increase my investments from 7 to 8%, working my way to 10-15. I will start my latte account and call ING-Direct to start an emergency fund. I will also tell other people to buy your book. I actually took 2-3 hours like you said to read the book.