I am 41 y.o. and have been in credit card debt ever since I was 18 y.o.. I was $21,000 in credit card debt as of a year ago. I read your book “The Automatic Millionaire” after seeing you on the Oprah show. It was so inspiring and I learned so much by reading it. I began to put your teachings in effect immediately by paying myself first. As of this month, I have ZERO credit card debt, I am in a 401K program and my company puts in 6 percent and matches up to 4. I of course did the maximum of 4 percent. Every paycheck I have 14 percent invested. I also enrolled several years ago in to a 457 program. I had initially deferred $25.00 a paycheck and now because I’m credit card debt free, I defer $200.00 a check. As I get raises, I’m deferring 100.00 more each time, which lowers my taxable income at the end of the year. I also own my own home. As you can see you have been a big help and motivation in my life. Thank you again and I will read your book over and over and never forget where I came from.