Dear David,

I just wanted to drop you a line and say thank you for “THE AUTOMATIC MILLIONAIRE”. This book has completely changed my outlook on money and what it takes to succeed. I work for the Bank of New York in an international trade branch in Oriskany, NY, a small village between Utica and Rome. I am 24 years old and I make about $25,000 a year and, like you stated in your book, I said before, “If only I made more money I’d be rich,” but after reading your book I realized that just isn’t true. Of course over the course of my lifetime I would like to move up or move on to different jobs with better pay, but I’d be happy just making $40,000 a year in this area.

I have no debt since I had no student loans, I payed off my credit card that had a balance of roughly $2,000, I have a money market account at a local bank which pays the best interest, and opened a Roth IRA and I took your advice and bumped my pretax deduction for my 401K up to 10%, and just like you said, I really don’t miss it. It’s funny actually because you mentioned how some people say, “Don’t bother investing in it if they don’t match it,” or “only put in what they’ll match.” That was my uncle’s advice. However, with my 10% and the bank’s 6.5% I’m investing 16.5% every paycheck and it’s adding up quick. I’m planning on living at home for the next few years to save up a down payment for a house and my goal is to have enough up front to be able to afford a 15 year bi-weekly mortgage. I’ve taken your advice in not renting. I understand there are some circumstances that warrant it, but for me, I’m going from home to my own home.

Your book has really helped me to realize that my dreams and my goals are much more attainable and much closer at hand than I thought. I’ve shared your book with my mom and talked about it with people at work, other family and friends. It’s made me feel much more positive about where I am in life. I’ll be looking forward to reading future publications of yours. Once again, thanks!

Sincerely,