I am 31 now and until last year I havent done anything to develop a nest egg or additional savings. In Germany, you have to do your own private saving as the compulsory retirement savings account for everybody isnt enough. After reading your books I started to pay myself every month with money going to a special account. Also I got the German version of a Roth IRA and a stock investment plan to which I automatically contribute. Plus I downsized my personal consumption by growing my own food, not eating out anymore and getting rid of useless stuff I own at ebay. Thanks to all this I was able to buy finally a decent car to get to work, pay down 6000 Euros in student loan and develop a little emergency fund of 1000 EUR! Thank you!