What a great book – thank you! This is the most practical financial advice I have seen since my father-in-law told me 22 years ago that saving money is important and “the first dollar saved is the hardest”. My wife and I have followed this sound advice over the past 22 years by maximizing 401(k) contributions and paying off the mortgage. After reading your book we are now going to make some other things automatic. Have a great day!