I was raised by parents who think the way Jim and Sue McIntyre do. My brother and I got sick of hearing them but knew they were right, “Put your money in the bank and watch it grow; If you spend a dollar, save five if you can”. I can tell you at the age of 37, married, with my own home, a baby girl and debt free, I am extremely grateful they raised me the way they did. My brother has also learned from their life lesson. I only hope we can do the same for our daughter.

When my husband asked me to read your book, I thought to myself, “What could I possibly learn from this that I don’t already know?” We live in a great neighborhood with booming home values, have no car payments, enough rainy day money for well over a year, no credit card debt, are putting 10% into our 401(k)s, and I am always yelling at my husband regarding the “Latte Factor”. Thanks for proving my point.

After reading your book I’ve gained knowledge of paying a mortgage bi-weekly and also of IRA’s and Roth IRA’s. My best friend since 4th grade asked me a couple of years ago to help her. She said after so many years, she realizes I must be doing something right to be living so comfortably and without worry. I explained it all to her and she was amazed how much they could save. Thanks for helping me realize I myself could still do more. You really helped me and my husband. I am putting those Latte’s into my mortgage payment.