David,

Hello. My name is Manshi Joisher. I am 22 years old and have known about the Latte Factor for a couple of years since my mother, from the very beginning had enforced money management in the house.

One day last week, my mother and brother-in-law had been talking about your book “The Automatic Millionaire” all day. I did not even look at the book because I did not want to seem as though I was going to follow what they told me to do. That night after everyone had gone to sleep, I saw the book lying around. I picked it up to read the back cover. Before I knew it, it was 2 o’clock in the morning and I had just read the last page of your book and already had a page full of “to-do’s” for the next day. I was so excited to read the book that I did not put it down even for a minute in the hours that I read it.

I consider myself to be a very savvy shopper and only buy stuff on “sale.” However, to my horror my sale shopping was my Latte Factor and before I knew it I had 10 different purses which were ALL black! Reading about the Latte Factor has definitely raised my awareness of where I am spending, even if I am spending less than full price for any particular item.

I was proud of myself for having followed some of the other techniques you suggest such as maxing out my 401K (40% is the maximum for my company). I have also opened an Orange ING account after reading your book.

Thanks for your guidance.