Dear David, I say dear, because your book not only uplifted my husband and I, but it enabled us to look forward to our future. By reading your book we realized that we spent money on odds and ends that we didn’t need. My husband spends on average of $5 a day just on food while at work. I spent an average of $3 a day on cigarettes. My husband also has a retirement plan at his current job, but didn’t put any money into it. My husband and I are happy to announce that he is now putting 10% of his income in his 401k, we have now increased our mortgage payment by $150, which is going towards the principle of the payment. While this may just be the beginning for our turn around, I just wanted to thank you. We have also been trying to help others as well.