Hi David,

I just finished your book and I am truly inspired. After each chapter I did what you advised- changed the percentage on the 401(k) up to 6%- (it was at 3%) with a plan to increase every other month until it is up to 12%. The light bulb went on when you discussed the Latte Factor which really was a no brainier but to pack a lunch takes some planning which I have set a goal of 4 days a week to start with. My spouse and I have a 30 yr mortgage, so I will be looking into setting up bi- weekly payments soon.

I just wanted to tell you that before I picked this book up I dreamed of winning the lottery- it was my only hope to stop living pay check to pay check. If we had only started sooner! I can’t change what I did yesterday but I sure am changing what I can do tomorrow.

Thanks again for writing this book- for me.