David, I think someone must be watching out for me. I saw you on the Oprah show in January which is amazing because normally I am at work at that time and can’t watch the show. But on this day it snowed and I couldn’t get to work. The next day I bought the Automatic Millionaire and Start Late Finish Rich. I couldn’t believe I’d been so stupid. You see, I make 91,000 a year and my husband makes about 20,000. He has a heart condition and works here and there as a carpenter. I work in a barber shop which I own. But for some reason I was always struggling to pay bills. We own a house and have no other bills. When I refinanced a year ago, I paid off all our bills, including our two vehicles and his hospital bills. I couldn’t understand it until I read your books. My latte factor was in the form of guitar lessons, cd’s to learn new songs, and eating out. I was spending 100 dollars a month on guitar lessons when I learned I could go to weekly and monthly jam sessions held locally where there were always more advanced pickers than myself whom I could learn more from than my lessons for free! I’ve cut my eating out down about halfway and cut corners in other areas and opened a Roth Ira account.(I know you don’t like those as much as a traditional IRA but my financial advisor convinced me it was right for me.) I will be opening one up for my kids too and teaching them what you have taught me. I don’t worry so much about their future or mine now; in fact I look forward to being able to retire comfortably at 65. (I’m 43, and my husband is 51.) I’ve added extra principle to my bi-weekly mortgage and should have my house paid off in 15 years! Whenever my husband or kids whine about why we can’t buy a new bass boat or whatever, I tell them one day they will thank me for saying “no” and thinking of their future. By the way, everything I am doing is automatic! Thank you so much for your passion and dedication to teaching us the value of money. And continue to fight for our childrens’ financial security by pushing for mandatory financial planning courses in public education. Thank you,