I just want to commend you on a great book! I had already implemented maybe 75-80% of your suggestions, but this book has given me the additional inspiration I think I needed to maximize my retirement. I actually find myself voicing your views and recommending your reads to anyone that will listen to me when the subject of finances comes up. I am a late starter myself, (43 now, started taking things seriously at 37) and probably the biggest obstacle to overcome was the (I wish I would have done this years ago, so on and so forth). The only thing I need to do now is live long enough to realize my efforts. In light of this deep interest in my future also comes a deeper desire to take care of myself physically as well. I have an Industrial Contracting company that I started in 1989. During the prosperous years, I found myself living the “high life” and wasting all the profits on unneccessary equipment, vehicles, vacations, etc. If only I had read one of books years ago!! I could have retired by now. Now I have 15 years of hard work ahead of me. Probably the greatest realization I have received from your book is that I should not include the money from selling my business or social security in my retirement projection. I don’t believe you really came out and said that, but I figure that if I follow your plan and not include my business sale or social security that any extra money from these will be icing on the cake!! I am trying to make an impact in a childs life as you suggested and it’s actually helping me in the process. I could go on and on but I am going to stop. Thank you again and I am look forward to reading more of your books and possibly meeting you in the future. Have a great day!!!