I will be a success story….just read both books and in one week I have transferred to a higher interest money market account, transferred 3 credit cards to almost half of the interest I was paying, set up “Automatic” deductions for my rainy day money, made an appointment with my financial advisor and cut up all the creidt cards that i have except one that we use for our business. We are late starters with alot of debt, but a nice income that is going to allow us to get out of debt and invest. Thanks for the inspiration. My “latte factor” is off the charts…….I am so excited by what we will be able to do now that we are informed by your wonderful books!