I am a 24 year old single mom of two little ones under the age of 6yrs old. I got divorced about a year ago. I have been rebuilding my credit since then. Thank goodness for your books because they really gave me hope and helped me to make a plan and start thinking about the future. As of March 2007 I am happy to say that I have money saved in a money market account for emergencies, I have life insurance, I recently paid off all credit cards and should have 2 loans paid by the end of the month. I am so proud of myself because now I will have lowered my monthly expenses at least $400. I will be saving that money but also putting some aside for a vacation fund. Thankyou again. Also I am really interested to know when you plan to write a book for young people Start Young:Finish Rich! I have all your books and share them every chance I get.