I am 29 and my husband is 36. We both declared bankruptcy a year ago and I thought all was lost, until I read Start Late Finish Rich. Thank you so much for your advice. I now realize that being a stay at home mom of three wasn’t a terrible choice and my husband and I won’t grow old poor. You even enspired me to FINISH my BBA in Finance (I already have a BA in Secondary Education) and my husband to start his MSF (which his company will pay for 100%). Since we already own our own home and have decided to live on a cash only basis, I understand now that we are much better off than I orginally thought. I have even started my own business on E-bay and we began putting 10% (to begin with) in a 401K.