I’ve only been reading your book for a day. It’s an easy read, yet packed with great ideas and action steps. You said if you’re a day late on a credit card payment, the credit card companies often charge $39 and you loose that great introductory rate. That just happened to me. But you also said, if you call them, they almost always waive the fee. So … I called them! Just like you said to do, I explained that I am very good about paying my bills on time (and I am), and would they consider waiving the $39 late fee. The woman at the other end stated that they “want to exceed my expectations” and not only waived the $39 late fee, but also reinstated my interest rate of .99%. That one 8 minute phone call saved me $157.80 in late fees and annual interest charges. It’s not a million dollars (yet), but it all adds up.