Hi David. I’m enjoying the coaching program. I’ve been a fan of your books for about 2 years now, after a friend loaned me Smart Women Finish Rich (which I told her she should read – she did, got excited too, took your word that she’d be poor forever if she didn’t buy real estate and bought a house in Florida that went up in value. She did this despite having gone through bankruptcy!). We are now saving a lot, pretax (~21% without counting 5% matching of my husband’s) and it seems hardly any money comes home and what we do have seems to disappear quickly BUT when I took the latte and double latte challange, I got excited to see where I could keep some of that post-savings and post-taxes money and not run out every month! Thank you!