David,
I read your book (The Automatic Millionaire) in four hours this Sunday. Took a little longer as I kept playing with numbers in Excel. I have kept myself out of credit card debt and I am in my mid-twenties. I have a little bit of a latte factor (which I can identify now). Due to a raise and not making carpayments (live in city no need), I was seeing sizable extra income. I had already opened a rainy day ING account (which I made automatic last night) and started my own investments with a mutual fund. I did not realize the whole pre-tax retirement investments. I called this morning and opened a TIAA-CREF account, automatic. If all goes well I’ll retire early. Now I just need to find a home!
