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David, in August 2005 I moved with no family or friends from Rome (Italy) to Los Angeles. My first year was tough. I shortly ruined my credit, I was missing payments on several credit cards and I was living paycheck by paycheck. I always been a planner and a dreamer, but I completely lacked any education or role model on personal finance. In Italy my family, once millionaire, arrived at the edge of bankruptcy and I was probably going to face the same destiny if my friend Amy did not lend me your book in October 2006. It was truly God-sent. Everything started when I asked Amy to go out for a latte, she refused with a smile and explained me your theory! In a few minutes I was on board. I soun ... more

- Ella Heath

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