David,
I was having dinner with my boyfriend and his two brothers. They were talking about how they are investing their money and talking with a finacial adviser so that they will have no worries in 10-20 years. Then here I sat… amazed and horrified because at 38 I still live paycheck to paycheck. Recently I changed jobs from home health nurse to clinical researcher with an amazing company. At 38 I started my very first 401K with the company and stock purchase in the company. Now I thought, after listening to Rick and David talk,I need to do something more. I purchased your book two days later and can not believe how much money I waste everyday. I did my Latte Factor and $465 – $625 wasted on things that are not life or death items. It is very difficult to suddenly stop everything but I am making a gradual change over the next two – three months. The very first thing I did was to “pay myself”. This made more sense to me than anything and it was the easiest to do immediately. Thank you so much for guiding me to my finacial freedom. I will keep you updated on my success. Thank you again.