I heard about you for the first time yesterday, while watching the Oprah Winfrey show. I liked what you had to say so much that I went to the book store that same evening to purchase a copy of the “The Automatic Millionaire.” I started reading at 10:30 p.m. and couldn’t put the book down until completion. It is now after 2:00 a.m. I know I’m really gonna be tempted to buy a Latte in the morning to keep me running all day. (smile) But now that I’ve read your book, I’m going to my employer with my Latte fund to start investing in my 403 b at the maximum level (plus coffee is provided there free of charge). (smile).

I’m in a good bit of debt with no savings and am currently renting. But despite these and other such bleak factors, I can now see my financial problems as possibilities. On a positive note, I have been tithing now consistently for about 3 months at 10% of my monthly salary and it’s money I haven’t missed and certainly have not regretted giving. So I have some first hand knowledge of how it feels to “invest” in small amounts. Thus, I’ve decided to “Pay Myself First” at 20% of my monthly salary – 10% going to my 403 b and 10% going toward my debts.

In addition to my “Latte Factor,” I’ve discovered some other expendable cash in the form of my mileage and cell phone reimbursements. They amount to the equivalent of about 5% of my monthly income and can easily go toward building “My Rainy Day fund.” Furthermore, I realize that I can gain back another 5% of my monthly income by cutting excessive telephone/cell phone charges. It’s amazing the money you can find/save when you really look for it (smile). This is truly exciting.

Having a plan makes me feel like a Millionaire already (smile). I will keep you informed of my progress. Thanks a Million!