Just wanted you to know that I read The Automatic Millionaire and I am now reading Start Late, Finish Rich. My husband and I are in our very early 50’s and we are starting late in savings and investing. After reading The Automatic Millionaire I took a good look at our incoming and outgoing money. Things changed, we earn $70,000.00 (Gross) between the two of us. My husband has a 401 at his place of work and me; well my company does not offer one. So like I said, things changed. We are now putting away $15,600.00 per year each. Yes, I said each, a total of $31,200.00 per year in a 457 plan, in addition to $4,000.00 per year in savings as well as 6.2% of my husband’s gross wages in his 401 account. I am not sure what we will end up with when we retire, but at least we will have something. I can’t wait to finish reading Start Late, Finish Rich–I am sure I will be doing more. What is also great is that instead of giving the money to IRS, we are investing. Thank you for sharing and explaining very well how to look at things.