Hi David,

My mother gave me your “The Automatic Millionaire” book a couple of months ago. Last night instead of going out with some friends I decided to stay in and save some money. I noticed your book on my shelf and said to myself, ‘what the heck, I can’t watch Sportscenter again!”

After only reading the first 2 chapters, I was already thinking of ways to automatically increase my savings. When I woke up I knew what I could do and immediatly went to the computer.

My company offers a 401K match which I contribute too. They match 50% of my contribution up to 4% (basically a 2% match).

I decided to increase my contribution to 6%. A very small step indeed. However, using your Latte Factor calculator this will increase my savings by $220,000 in 30 years and that doesn’t include any salary increases along the way.

Thanks for the motivation and I can’t wait to finish the book!