This email is a long time coming and really I credit reading a few lines from your book (TAM) several years ago and then buying 2 years later to actually where we sit now. To be honest, we have never read thru the entire book…we didn’t really need to! We applied the “latte factor” to our lives and then it just snowballed from there. We finally are traveling to the places we wanted always to visit including Paris a few years ago…here is my favorite picture from that trip. Since then we have been to Costa Rica and just came back from 19 days in Italy and France (to see Lance ride his final Tour de France!). All this saving I credit to your ideas. Not only have we been able to go on big trips but we are saving 15 percent of our usable income after taxes! That in addition to our regular retirement savings accounts.
Nick & Pam Downs