I just want to thank you David for all you have done for my life. I recently happened upon your book by accidently a few months ago and once I began reading it I couldn’t put it down. Before I read your book, I was completely hopeless. I work in a job that granted probably doesn’t pay as much as I should be making, but I still get paid very well. Yet I had absolutely no money saved, I was living paycheck to paycheck, I had some credit card debt (not a serious amount, just under $1000 worth, but I had been still carrying that debt for a quite a while, only paying the minimums each month), and I was constantly being charged late fees on all my bills from forgetting and paying things late. Thanks to you I have managed to finally start putting my life on track and in control.

Before I even finished reading your book, I contacted my boss about setting up a 401k plan through work (which I contribute 7% of my pay and will increase to 10% before the end of the year), I began saving my money using a money market account through Ing Direct, I’m about to open an IRA account as soon as I finish paying off my credit card debt (which will be within the next two months), and I set it up where I now pay everything automatically.

Not only have you helped me, but you’ve also helped my relationship with my fiance. We’re already living together in a house that I rent and we have decided to take the plunge and buy a house instead of renting the apartment that we’ve had our eye on for a while. Probably the most remarkable thing about this is that I’m only 21 years old. You have helped me to totally reshape my life and to start preparing for my future. I cannot thank you enough David and encourage everyone to read your book so that they to can get their lives on the right path.