I have used the DOLP and now I don’t have to pay a single credit card. I am also buying household items with cash by saving for them. This has also influenced me in buying things on replacement. Every time I take a personal loan, part of the money goes into home improvement and buying assets. All this is reducing interests charged. Also, the Finish Rich motivations are giving me a picture of the future and it looks beautiful. I have realized that poverty is not heritable. Many thanks David!