Thank you so much for your book. It has truly changed my life. I have just this moment finished it but I have already made some changes in my financial life and look forward to finishing rich. For four years now I have contributed to my 401k but at the minimum level because that’s where the company matches up to. I didn’t even think about the pre-tax benefits, and your book has opened my eyes. I own my condo and look forward to setting up a bi-weekly pay plan if there is no pre-pay penalty.