I’m a 36 year old married mother of one. My husband and I have maximized our 401K’s for the past 15 years (currently $1,400 per month employee contribution). Our daughter is six. After watching your show we realized how much money and time we were wasting. We cut up all of our credit cards and closed the accounts a year and half ago. While we were paying off the balances it didn’t dawn on us that we now must stop spending and start saving. We have $220,000 in equity on our house on Saint Simons Island in Georgia. After watching your show we started a Roth IRA ($250.00 a month), a 529 College Savings Plan ($150 a month), IngDirect Savings Account ($100.00 a month) and Series EE Savings Bonds ($100.00). You see, I grew up poor. My mind wasn’t on saving for the future but living for the present. I feel so empowered now David. My husband and I will be totally and completely set. We Will Retire At 50!!