Hi David, I am new to your series and just picked up “The Automatic Millionaire Homeowner”. I started with “Smart Women Finish Rich” and loved it. I felt compeled to share how my husband and I were able to buy our first house (and before we even knew about the Latte Factor!). When we first started dating I was renting a one bedroom apartment in Fremont. We determined it wasn’t enough room so we found a house to rent on the other side of town. We signed a two year lease which locked us into a “fixed” payment. Once the lease was up the landlord decided we had to renew every year with of course an increase in rent. Speaking with family and friends, who were home owners, we realized our rent was that of most mortgages ($1850 a month at the time). Three years of living in the house we had gotten married. I was determined to buy after calculating what we had given in rent so we took on a roommate. We had already been making the rent payment so I made their payment our automatic savings. I deposited it into my credit union account that had great interest rates and two years later we were able to buy our first house in Brentwood (No Cal). And our mortgage payment was lower than our rent! This was five years ago. Taking on a roommate was the hardest two years of our relationship mainly over the lack of privacy but looking back, it was worth it. We are now looking to purchase our second property and have turned to your books for guidence. I am so thankful for finding your series. I didn’t realize I was doing the right thing. It is becoming so clear now. I can’t read them fast enough. Keep them coming!