I have read your book ‘The Automatic Millionaire’ (Canadian edition) and found it to be quite an easy read. A lot of the solutions are quite simple, however I was not acting on them. Yes, I am one of those 2 out of 5 people with $3000.00 credit card debt. I have taken a few steps since reading your book. I have started an RRSP (albeit a small amount) each month, but it feels like I am taking control back of my life. My next step will be to take into account my latte factor. I am almost scared of looking at those facts beacause i know what it is going to show me. Regardless, I am determined to change my life for the better.