I happened to see you being intereviewed one Sunday morning on a news program. Your ideas made absolute sense and very much appealed to me. I am somewhat of a late starter, but had already implemented some of the ideas in your book “Start Late Finish Rich” which I purchased that weekend. I regained my momentum sparked by your words and ideas – and each day I have taken action on eliminating credit card debt by consolidating at a lower APR, calling my creditors to request a lower APR, (two of which were quite stingy at lowering the high APRs) and saving over $1,000 in one week – once I identified my “latte factor”. Yes, I am on a roll and don’t intend to stop until I am “DOLPED” out and free. Also, I have my real estate sales license and have some ideas on leveraging to buy a second home. Thank you for re-energizing my drive and letting me know that my views and ideas are shared and DO make sense. So much for the naysayers…and the old saying “follow the crowd and go nowhere”.