David,
I am so impressed with your books. First I saw you on Oprah with the Debt Diet series, then I bought Automatic Millionaire and am now reading Start late Finish Rich. And I must say when I first figured out my debt, I was in shock and denial that I had let it get that bad. But reading your books has opened my eyes. I know what I have to do. Pay down my credit card debt, and save money at the same time. I opened an account at INGDirect $90 a week as my emergency fund. And I am paying 1/2 more toward my principle on my mortgage. Already I feel like I have some breathing room. Thanks so much for all the good advice.