A friend at work was reading your book, and I got interested in it. I’m really glad that I did. I’m only 21, so I don’t feel that I am starting late but I have learned so much from your book. I just bought a house right before I started to book. When I read about biweekly payments I made sure to sign up for that. I also just set up my 403b at work. Thanks for all the great advise!!