Since reading your book, my wife and I have DOLPed six credit card accounts. We have both been maxing our 401k’s for about 4 years. We also just signed up for bi-monthly mortage pay and our lender (Countrywide) doesn’t even charge a set up fee!! Just $2 per transaction. We’re working on the rest of the credit card debt with an optimistic and comfortable eye on the future. Thanks for the great tips and for re-newing my excitement about our financial future.