I just wanted to share a little success with you. I don’t have a huge story to tell, but it is progress in my life. I started reading your book just yesterday and today I went to look at my credit cards. I owe a good 5,000 and I’m only 22. I got sucked in to the retail credit cards along with my bank charging me tons of overdraft fees. I saw on my statement, that on just one credit card I have been paying a 29.9% APR. How ridiculous! So I am switching over to another card to have a very low APR. I also called my cell phone company and dropped my rate plan. It should save me a good $15.00 a month. I’m so happy to have picked up this book.