David,

You are simply the best! I’ve read tons of financial books, but Start Late, Finish Rich really motivated me. Even though my husband and I are only 25 and 26, we felt like we were behind everyone else in the money game. You showed us that we are in the perfect position to finish rich! No credit card debt, automatic contributions to his 401(k), and living below our means are the key.

Here’s a neglected Double Latte Factor for you- tuition! We moved to another state, which was going to increase my college tuition from nothing (due to a special aid program I qualified for due to my grades) to 16k. We’re expecting our first child in August, too. Instead of seeing this situation as a burden, we are seizing the chance to turbocharge our Latte Factor!

I’m transferring to a college that offers online classes for only 6k. This will not only allow me to stay home with my baby, but to babysit for someone else, earning $400/month for our index fund!

We are already close to buying our first home, and are delighted about finishing rich! This Christmas, everyone we care about is getting your sound advice wrapped in a bow. What better gift is there than financial freedom?

Thanks a MILLION, literally!