I’m a general contractor on St Simons Island, GA. I’m 37 and have a stay-at-home wife and 4 beautiful children. I’ve had my own business for 3 years. I’ve never had a savings account last more than 6 months without raiding it. We’ve struggled from pay check to pay check for years. We can’t do budgets. We are not disciplined people. In my mind, books on finances were for people who 1) wanted a get-rich-quick scheme, 2) had salaries that were much bigger than the rest of us, 3) people who were in serious financial trouble. We’ve never been any of those. How ignorant I’ve been.

Then, I chanced to look at books about finances and your’s caught my eye. We are excited! I’m so glad we picked it up. I wish I had had the book 15 years ago. Tomorrow, I plan on opening my first IRA, and offering to help my employees with one, too. We are starting funds for each of our kids. We are excited because we have a plan and a strategy that doesn’t require a level of discipline that we already know we don’t possess. It will all be automatic.

We have little charts on the wall for our kids. They get little stars when they do their homework, practice piano, feed the bird… NOW, I get a star when I come home for lunch instead of eating out. My wife gets one when she completes her day without buying… get this… not a LATTE… but an iced double mocha ($3.50). We had a good laugh at that. Thanks again,