Dear David: Thank you for your new book. I am halfway through and wanted to share my latte factor. I have always been disciplined in my finances and am one of the 1 in 10 who actually pay myself with a check first as I am self-employed and contribute to my SEP and IRA for my wife. I, however, like to make my contribution to the IRA in January of the tax year instead of waiting for the following April when I file my taxes. This money now is not only pre tax but also collects interest, capital gain, dividend etc. for a full 15 months ahead of time. I also send in a large portion of my SEP early for the same reason. Thanks for the book.