Hello! I just finished reading your book and it was a revelation to me! I have actually very little debt, and NO credit card debt! But my employer does not have a retirement plan, and I was worried about how I was saving for retirement. I have been maxing out a Roth IRA since I was 29 (I am now 32), but I was worried that would not be enough. So I set it up with my bank that I will be AUTOMATICALLY depositing $250.00 every two week from my checking account into a money market savings account. I still have work to do, but your book is getting me back on track!