I cannot express my gratitude for what your books, “Start Late, Finish Rich” and “Smart Women Finish Rich” have done for me. Not only have they changed my finiancial life, but my physical life as well. I saw how much I was spending on my “latte factor”…FOOD. I could not believe it, then I realized that whether it be grocery shopping or an ‘ocassional’ snack, it was atrocious, and so was my waste line! So I brought into my life one major thing that stuck out from “Start Late”: is this purchase really necessary…then I integrated that to my diet…is this bite, or snack necessary? I cannot tell you how amazing your words and knowledge are! I have saved over $6000 in 6 months and I have lost 21 pounds. You are a life saver, in more ways than one!!! Thank you for everything!!!