After reading your book, I can only say one thing to you: Thank you so much! I had a very high interest credit card, 22.9% with about a $1,000 dollar balance. I took your advice and called the company that holds my card. I told them that I had another offer with a lower interest rate if I transferred my balance. With a little confident persuasion, they lowered my interest rate to 10.4%. That saves me more than half. Furthermore, my financial life has completely changed. I now have an IRA and I am working on a small but diversified portfolio. This is all before my 25th birthday. Thank you so much for empowering me to alleviate the stress in my life about my financial future.