I am 60 years old and have worked all my life. I began putting 12% in a profit sharing plan when I was 23. Unfortunately I was a little conservative for awhile and kept the money in fixed a little too long. Our company has a 401k now and I contribute 15% and am thinking about raising it to 20%. I have accumulated almost $500,000 plus almost $200,000 in another fund. In addition, I found $450 worth of “lattes” per month by saving my last salary increase, giving up cokes at the Sonic in the morning, eating lunches out, buying clothes and other “stuff” I didn’t need. I currently am putting the $450 in a savings account for an emergency fund and will then begin investing the $450 after I have that fund established. I bought “The Automatic Millionaire” CD and have really enjoyed it. It is great! My 37 year old daughter is reading one of your books right now and loves the concept. Thanks for some great advice!