Dear David,

I’m reading The Automatic Millionaire right now, and I’m astonished! I’d heard about spending big money on the little things, but until you laid it out like this, I never realized how much money I’ve been wasting.

Take today for example:

I was running late to work, so had no time for breakfast at home (something that happens at least 3 times a week). I bought a bagel w/ creamcheese, coffee, and water bottle for the day. Total for breakfast: $5.65

For the same reason as above, I bought the lunch “special” at work, which included a drink. Total for lunch: $7.50

Now, I’m sitting here eating it, and imagining if I’d brown bagged it. I would have saved over $13 SO FAR TODAY!!! That’s at least $10 that I could have put into a retirement plan. Waking up a few minutes earlier in the morning is definitely worth a million dollars down the road.
Thanks,