David;
I want to thank you for the life-changing impact you have made. I waited a year before writing, just to be sure I was not going to back-slide.

Last January, I picked up your book “Start Late, Finish Rich,” and began reading it. I was 59 years old, and had less than 1,000 saved for retirement. No matter how hard I tried, I could not save any money. As soon as I started reading your book, I began to pare away at my latte factor, which included coffee in the morning, snacks, lunches, frivolous spending, and gadgets.

I started putting only 25.00 a week into my IRA and increased as quickly as I could. Then I contacted my place of employment and found out that they would match the first 5% of my salary for a 403(b) plan. So I immediately signed up for that, and then added a couple more percentage deductions a few weeks later. My wife also joined in, and after only one year, we are pleased to tell you that we have saved over 10,000 in our retirement account. I can\’t thank you enough for your inspiration and wisdom. We have no credit card debt and have been paying ahead on our mortgage in addition to our savings account.

Sincerely,
John and Judi Cavicchio
South Seaville, NJ