Just finished “Start Late, Finish Rich” and my wife and I are so inspired by your advice and how simply we can make these positive changes. Just in the last week, we upped our 401 K to 10%, we are adding 10% extra each month to our mortgage payments, we have opened up 2 mutual funds that are automatic withdrawls and we are committed to putting money aside each month for an emergency fund. We have picked one day a month to eat out and are going to try these changes for a year and track each red cent. My wifes’ company already puts aside 15% of her pay into an IRA so we are off to a good start. By actually looking at all our expenses, we saw that we were really frivolous and stupid with our money. It just feels good to have a plan and take those first steps. If we cannot pay cash, we will wait until we can. This is pretty exciting! Thanks for the inspiration.