Hi David!

I was at your seminar Nov. 9/05 in Calgary Alberta and among the first 5 people to meet you after your presentation. I started by saving a dollar a day in February of this year. I called it my buck a day program. This was to prove to myself that I could actually save and more importantly had the money to initiate saving, something I’ve never believed I’ve had. Soon after I was quickly saving three dollars a day.

Then I figured in my latte factor and the amount I was saving jumped substantially. I am now about to turbo charge my latte factor with some trimming of useless spending that I’m finding in things I can do without.

As I told you I am now saving into an rrsp more than 16% of my biweekly take home pay while reducing my debtload!! When I told you that the look on your face and the high five you gave me really made it clear to me what I’ve accomplished. Thank you for that!! I’ve started late but I’m going to Finish Rich!!

I mentioned that a ‘tax expert’ that day of the seminar had advised me that rrsp’s were a bad vehicle for my money and I’d be taxed heavily on withdrawal. Thanks for your comments about that. It just occurred to me that the ‘tax expert’ and her husband are in their early fifties and working at 3 jobs to support their living in a RENTED unit in a run down 4-plex. Guess that says it all.

Thank you again for making available all of this valuable information, it’s making a huge difference in my life!

Best regards,