This is the first book that I read every word, one at a time. I looked forward to getting home so I could read. I signed up with my company’s 401K at 10% using your pyramid and I also paid off all my bills. I have one credit card with a balance of $300 which will be paid this month in full. I am saving to buy a house with your guidelines. I contributed $1,500 to my IRA and have approx K10 in a regular savings with a .5 interest rate. I will move that into a CD soon. Many thanks for sharing your knowledge with us. May God bless you and continue to work through you.