I just started your book Smart Couples Finish Rich. It is great, and we love it. We have been saving tons of money, and stopped buying donuts, which are very expensive. We are going to start saving $5 a day, and we want to be rich.

I have all my goals and dreams planned in a notebook. I am so excited. Today, I transferred my balance to a lower credit card. We are cooking our own food. I buy my clothes at Walmart, and I don’t just buy anything. I value my money, not stupid things. I totally changed my way of spending and thinking. I am currently out of work because I just had a baby girl. I don’t want too much pressure on my husband financially, but I love to stay at home with out daughter Giselle.

You are a great inspiration and a genius. Please let me be the latte factor winner. My husband loves your latte factor theory! Thank you.