David, I am getting started late. I am a self employed woman, a wife and a mother. I recently bought several of your products. After seeing you on CNN several months ago I started automatically saving money. I have set aside about $8,000 in the last 4 months. I’m reading your books when I can and listening to your cds while I’m in the car (which I am all the time). I’ve begun teaching my nineteen year old son, my stepdaughter and his friend that lives with us. If I had not heard you and then purchased some of your products, I know I would not have done so well so quickly. I have not completed all of the tasks yet, but for me, saving this much was a huge beginning! I look forward to the “Start Late Finish Rich” book ! Thank you for your guidance! I will keep reading and doing!