I have read “The Automatic Millionaire” and it gave me a couple of new things to try. Alot of things my wife and I are already doing. My Latte Factor is really the Gas Factor. Driving to work everyday was costing me about $30-40 a month. My employer will subsidize bus passes. Now I pay $9 a month for a bus pass and I have put the savings, which is about 1% of my income, into my retirement account.

Our house is on a 15 year mortgage and we have been paying biweekly for 2 years. We should have the house paid 4 years early. We are in big credit card debt. I have worked out a plan to have the credit card debt paid off by July ’05 using half of the money I’m putting in my retirement plan. I have been teaching my 2 kids about money for the past couple of years. Each payday when they get their allowance, they are required to put 20% in saving, 10% for tithing to our church and the rest is theirs to do with as they wish. When they want to buy something, I always ask them if it is something they need or want, and if they have the money to pay for it. Now they think about what they are buying and most the time they don’t buy. My 12 year old son now thinks about going in debt more then buying everything he sees. Today I will be going to your Smart Couples book and read it next.