I am about to cry I am so happy. I finished your book last night and I thought I need to do one thing today. And, since we are in the middle of building a house I was thinking about our duplex. Today, I called to see about adding $60 a month to our mortgage payment. (We have a 1st and 2nd – the 2nd has an interest rate of 10.8%) Just the extra $60 a month applied to the principal, I cut our payment by 18 years! We bought the duplex in January, 2007, so my goal is by next year this time, I will be paying more until that 2nd is paid off and then starting applying the same or more on the 1st. This is only day one after finishing your book and I’m just getting started. Thank you so much. You have reinforced my goals and I really will and do sleep better knowing my dreams will come true. Thank you again for sharing and I look forward to reading all of your books.