Hi David,
I’m 37, married with 4 kids. Next year I will have my ($200+k) house paid for. I was fortunate to have influences early on in my life to discourage me from obtaining debt and paying interest. I have never paid Credit Card interest and determined only to borrow for a house, and a car (never brand new). My strategy to this point in my life has been debt elimination. I also have a pension plan at work where my employer matches my 6% contribution and I have RESP’s for my kids education.

I picked up your books (Automatic Millionaire & Start Late, Finish Rich) at Scotiabank (and registered for your upcoming seminar) because I realize I need a new strategy to transition from debt elimination to investment and retirement planning.

What has also surprised me is that I have a “Latte Factor” – I eat out several times a week for lunch. I feel I have to, it’s not practical for me “bag it” as I often do “working lunches” and . . . I’m edgy when I don’t eat. Here’s what I did: I bought an “Entertainment Book” coupon book to support my kid’s school and I discovered that there are coupons for “2 for 1” meals at dozens of restaurants near my work. When I discovered this, I convinced several of my colleagues also to buy the books and now when we eat out, we split the bill – both splitting the cost in half! I’ve gone from spending ~$40 / week to spending ~$20!

Thanks David!