I picked up your book last weekend at work when we were slow, and started reading. I finished it by the next day. Now I’m currently reading “Start Late, Finish Rich”.

I never really thought about my Latte Factor. My wife and I are careful about spending our money, and I assumed we were living and saving the best we could.
Well, today I got to thinking…I’ll just do it for fun. So, I sat down and figured what we spend each month on certain unnecessary things, and here’s what I found:
Text messaging between our 2 phones was about $16 a month. Insurance on our phones was $14 a month. “Premium” cable service (a few extra channels) were costing us $28 a month. Also, we take $25 per week out in cash to use on whatever we want. If we reduce that amount by only $5 per week, we’d save $520 a year.

All those things combined (and I honestly don\’t even think we’d miss them!) will save us over $1200 per year. For newlyweds saving for a house, that’s a lot of money!

I appreciate your sincerity. You sound like you’re really pushing for me, and everyone else to become financially free, and to be able to enjoy life without worry!

When I retire around the age of 50, hopefully I can devote some of my free time to counseling young people like myself, helping them to become Automatic Millionaires just like I’m going to be!

Thanks David!