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Your book is terrific. They should teach it as a required course in high school!

My latte factor was a real latte. Ten years ago, the building in which I work added an espresso bar. I was enjoying my latte every weekday morning. On one of those mornings, latte in hand, I walked across the street to my credit union to deposit a gift check. It occurred to me that my deposit would have been a few dollars more had I not bought the latte that day - and $50 a month more if I skipped the latte every day. I went home that night and consulted my amortization book. (Today I would use my computer!) What a shock to learn what my latte was REALLY costing me! The choice was mine: A latte a day or pay off my mortgage SIX YEARS early by putting the $50 a month on the loan principal.

Since then, I've had fun with a "what if" scenario. Such as, What if I did NOT buy this $5 item? Do I REALLY need it? If I didn't buy it - and instead saved or invested the $5 - how much would it be worth in five years? Ten years? Twenty? If I buy the item, will I even have it five years down the road?

Your book is the perfect gift for high school grads, college grads and newlyweds!

June Taylor

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The views expressed herein are solely those of David Bach and FinishRich Media, LLC., and do not necessarily reflect the views of The Edelman Financial Group or any of its affiliates. Neither theinformation herein nor any opinion expressed herein constitutes or is intended to constitute investment advice or an offer to sell or solicit any person to purchase any security. FinishRich is a trademarked brand used by David Bach and FinishRich Media LLC. and none of David Bach, FinishRich Media LLC. [or The Edelman Financial Group or any of their affiliates] guarantee any financial results or a positive outcome to your personal situation.