I wish your Finish Rich Workbook was around about seven years ago. I have just finished reading this text and I did almost exactly what you said in order to finish rich and be debt free before reading your book. The information you give is excellent, simple, realistic and everyone should know what you teach for a basis of financial advice.
By the time I finished reading your book I was already debt free, investing 43% of my monthly paycheck, accomplishing everything I wanted both personal and professional lifestyles.
The latte factor is perfect, because it is so very true and happens to everyone. I did not realize how much debt I owed until I finished with Graduate school – well over $25,000 in credit cards. Instead of cutting the credit cards, I placed each one in a different zip lock bag; placed the credit card in a plastic cup, filled the cup with water and froze the cup in the freezer. This way if I wanted something I had to let the ice thaw. Usually by the time it was over, I did not want the item and saved my self the agony of paying off credit cards.
Being an officer in the military, it is important to have excellent credit rating, and be financially secure. I try my best to encourage saving money instead of the simple pleasure of spending it on usless items. You book is excellent, I have recommended it to many friends and co-workers.
To those people who are leary of what Mr. Bach states in his book, do not be, it works. Just remember it takes time and perserverence. Don’t quit and your goals will soon be very, very high!