I am a New Zealander living in Australia. I went to Vancouver in 2010 and came across these David Bach books while over there, I never knew how strongly these books could have changed my life. I was over $40,000 in debt and I just could not see the end of the rainbow, so to speak. But now I have come out on the happier side. I am now living back in Australia, I still look forward to your emails and support with only $4000 to pay back now! Thank you David Bach, really THANK YOU!