I just wanted to write you a note and say thank you for your wonderful book, “Start Late, Finish Rich”. I’m probably not the typical reader of this book: I’m only 20 years old. I’m working toward a career in financial planning, so I read everything I can get my hands on about personal finance in hopes that I can gain more knowledge that will help me help people. This book really inspired ME though. I got married at 18 and my husband (who is 24) and I bought a house a year ago. Nothing fancy, just a cute little 3-bedroom. It isn’t easy to see all your friends going out to movies and eating out all the time while your extra money goes to a mortgage payment, saving, and paying off debt. I was ready to be done with the house and just sell it, after all, who could blame me? No one expects you to own a house at 20. After reading your book, however, I realized that I was actually really blessed to be where I am. Sure, I may have to give up a few trips to the movies, but my husband and I are building equity towards our future instead of throwing away money on rent and “lattes”. No matter what age you are, its always more popular to spend than to save; thanks for the reminder that wise financial decisions now will be worth it in the long run!