I first heard about “Finish Rich” when I checked out the book How to Start Late…on CD at the library. I listened to it over the period of two weeks while traveling for work. I was amazed at how I could relate so much to the information. My Latte Factor has always been a huge problem for me. I have made excellent money but nothing to show for it. I have made many changes as a result of listening to the CD’s. Thank you so much for the help. I will continue to make the necessary life changes to pay off credit cards, pay off my mortgage sooner. I just finished setting up some automatic payments on my bank online bill pay! How exciting!