David,

I have just finished your book Start Late, Finish Rich. I am a middle manager in a career I love but until recently I kept questioning what I’m going to do to be better prepared for retirement. I have a years salary saved and already have my mortgage on a bi monthly schedule automatically. My credit rating is moderate to good, yet I am only living pay check to pay check. I have joy experienced almost daily, and I volunteer for three agency’s throughout the year, I also contribute money to my favorite charity. With all this going on you would think I would be ok with myself. This is not the case and your book has confirmed many things I have thought about in the past but didn’t know how to make the plunge to live life richly in all areas, I failed to figure out how to be happy with my financial situation. It wasn’t important until retirement age started creeping around the corner.

I just want to thank you for giving me the clarity to look at what I am doing with my money in a better way and feel I can follow some of the suggestions you have for the reader.

I increased my 401k at work to the maximum level. I have an automatic savings plan being started. I have always believed in owning my own home and do own one now. I have thought of an home based business and am getting ready to launch this businness in the next month. I’m still trying to convince my wife to allow us to use some equity in our house to buy a rental property.

I feel you are a catalyst in my life to realize some goals and dreams I’ve been afraid to tackle.

Thanks,