I read your book, “Start Late, Finish Rich” in one 6 hour sitting. Tomorrow morning I will up my 401K percentage from 12 percent to 15 percent, and on the way home I will cancel my gym fee of $68 per month. Also, the $5 bucks I spend 5 days a week for lunches is history as is the $3 per morning for coffee and muffin. That is $228 per month in savings, and, my dish satellite will be the next victim of my new found zest for saving. That will save another 34 dollars making my monthly total $262!! Thank you so much for writing your book…I am now seeking my first rental property and am seriously thinking of selling on EBay..the ideas are endlesssss!! Thank you again and again!