David, I was in the book store looking at the library of money management books and investment guides. Now I’m no stranger to investments, but hardly savvy enough to try and play the market. I participate in my company’s 401k, which I just increased, I have my mutual fund with TransAmerica that I started 3+ years ago with a $100 a month automatic deduction from my checking account but I did have some bad habits.

The first bad, and most expensive, habit… wish it was as cheap as a latte… smoking. Cigarettes, being from the NYC area and I’m 15 minutes out of Manhattan, we both know, costs between $6-$7 A DAY!!! Well, reading your book and doing the math (not to mention the fact that I’m in the gym 5 days a week) I became absolutely disgusted. I’m 27 and this angered me so much that I threw out my cigarettes and quit right there, no bull. I went and increased my 401k to 12% deduction, reallocated my porfolio according to the chart in your book and on top of that I’m still making the $100 a month deposit to my mutual fund. I’ve read MANY books on money & investments and yours was a no-nonsense, simple approach that ANYONE can follow. I’m well on my way now and since I quit the smoking I’m gonna make sure that at 60 when I retire I can enjoy the rest of my life.