Thank you David! I just finished listening to The Automatic Millionaire for the second time. It’s outstanding. I increased my automatic monthly contribution to my mutual fund, set my 3 kids up on automatic contributions to Roth IRA’s (fortunately I own my own business and they are now on the payroll), and took my oldest daugther (13) to the bank. We opened a savings account for her and set up automatic payments to her mutual fund. I appreciate you brother! Thanks for the amazingly simple yet so powerful ideas!