David, I made a lot of positive financial changes in my life since reading your book The Automatic Millionaire last year. I paid off my car($6000),lower my credit debt by $2000 and recently opened a $500CD and an automatic savings account with ING DIRECT. I also opened a mutual fund account with American Century with $500 that I saved and automatically add $100 a month. I will be reading Smart Women Finish Rich in the next few days. Thanks