I came to the US in 2005 from a country in southern Africa where we hardly have financial literacy lessons. I first knew of David Bach in 2006 when I \’stumbled upon\’ and bought the Latte Factor book. A few months later David Bach visited DC and I attended his conference. He had a whole host of different speakers who spoke about making or saving money in a variety of ways. I was hooked on David Bach\’s tips from them on and have built on them by reading several other articles, but the bottom line is that I now always watch my Latte Factor which for me, was buying breakfast and lunch at work. I now make my own breakfast and lunch and I have saved a lot of money. I also moved house to a less expensive area and I am saving $700 a month on rent alone. Imagine!! My savings are up to about $8,000 already not to mention the regular remittances back home to support my family as is our culture. I now have no stress thinking about how I can meet my bills. Thank you David, for being my gateway to finacial wisdom.

J Zulu
Maryland