I am writing this to you as a thank you. My husband and I are in our early thirties and have 16 month old twin boys. We have become increasingly concerned over the past few years about working to get out of debt and setting up our retirement funds correctly. Luckily, we have been receiving good advice. However, I was having a hard time seeing the bigger picture and putting it all together, never mind knowing where to begin. Thanks to your little book I have taken immediate action to allocating my retirement fund correctly, automating everything, paying off debt, saving for a rainy day and most importantly…. PAYING MYSELF FIRST!!!!!! Thank you, thank you, thank you.