Wow… finding your books and reading them have had the single biggest impact on my financial life. My husband and I are 56 and 51, respectively. We run a farm, so our income fluctuates wildly from year to year, and 401k’s are things that other people have, not us. I’ve always been a saver, a planner, and very disciplined in my finances. Or, so I thought! I’ve gotten SO much more disciplined when I viewed every single purchase or expenditure based on what it actually costs me long term… as the interest I don’t pay down on my mortgage or the interest I don’t earn on my savings account. Since reading your books last fall (I re-read them a chapter at a time at least once a week, for inspiration), my husband and I have been motivated to buy 3, yes, 3, new rental properties. We used the equity in our primary residence as a source of funds (previously it was paid off). Now, the most AMAZING thing about this is that the first house was rented at a profit even before it closed escrow! Our interest only payments are 600 per month, our rental income is 1400 per month… we can have this house paid off in about 12 years if we use all the monies for debt reduction. Then, we\’ll have FOURTEEN HUNDRED DOLLARS A MONTH coming in for our retirement! That is so exciting! We had no real retirement plan before reading your books– now, I’m on the path to have our rentals pay off in 15 years or less and give us a retirement income of almost 7,000 a month total. That’s big bucks for retirement! It feels so good to actually have a plan, be implementing that plan, and see it beginning to pan out with each reduction in mortgage debt and each rent check that comes in. So, now I’m scouring your books for tips on how to pay down multiple mortgages… I think I’ll apply the DOLP method to these mortgage payments so I can the rentals paid off asap. When my friends ask me about what I’m up to financially, (perhaps noting the new”Cheshire Cat” grin on my face) I just tell them “I’m following the advice in the David Bach books”. All of a sudden, our financial future looks really, really bright! Thank you, David!