My husband and I are empty nesters. I wish that we had this book years ago. We have done quite well on our own, but really could have done better. The information on www.ingdirect.com has helped us know where to direct some of our money, as we were like the man who buried his money in the backyard. We were using very low money market rates, which we did not realize until I called the bank the day I read the story. Also, we will be making an extra payment on our mortgage and knowing when and how to do it has been so beneficial. I have mentioned so much of your book to my adult children. I HOPE they will listen, because only then will they be able to be winners. I have never felt so EMPOWERED as I feel now having read your book. Thank you for sharing with all of us.