I don’t like reading, but when I saw your book at Sam’s Club, I bought it and read it in a day. Your advice is just making my life more realistic. I couldn’t imagine myself being 65, still working, and living paycheck to paycheck. I am doing a few things right like owning my home and paying more of the principal a month. I have had an IRA since I was 23 and now just turned 30. My mistake is that I put my rainy day money in my checking account. I just opened an account automatically buying $200.00 every month in savings bonds. I’m so excited, I will be using this formula the rest of my life. Thank you, and by the way, tithing is important to me as well.