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May 3 2012
Hi David,
My name is Amanda Adkisson. I was so impressed with your book Smart Women Finish Rich I have wrote some books myself. I got into a bad financial situation to where I was fixing to loose my apartment. I make $30,000 per yr, plus work 2 jobs. I am a single parent of only one son. I got frustrated, and purchased your book. When I first read the book I made a list of shortterm goals - put a time frame on it and long term goals. I stopped eating restaraunt food and started cooking. I started putting $50.00 in my savings acct every payperiod. I did as you said in your book, Jim Carey wrote himself a check for $10,000,000, I then wrote myself a check for $5,000,000.
I wrote the list of the struggles and what I can do to overcome them. My whole thought process is different, and I am saving more money now than ever. It makes me want to cry thinking about how many times I wanted to give up. Reading your book and my spiritual belief are the only things that kept me from loosing my mind. I don't want to take alot of your time but I just want to say I'm thankful. Even though I live in Nashville, TN. I would love to meet you one day, and give you a hug. When my books are published I plan to make arrangements to meet with you - even if I have to pay you. That's how much I'm thankful.
God Bless
See you soon
- amanda adkisson
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February 24 2012
Dear David,
On one boring day while I was browsing through the shelves at CNA, I came across the book title "Start Late, Finish Rich". I thought to myself that this must be another scam, but since I was spending more than $294 on newspapers, and the book only cost $14 dollars, I decide that I must buy it; that really changed my life. I now own two properties valued at about R2 million (South African Rands). Thanks to you! but I will be waiting for my free mag of LATTE Factor\'s.
David Mokebe
Thank you!
- Kozana Mokebe
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February 24 2012
David-
I owe you half my life :-) Your system worked twice for me.
Once in my college years were I went on spring break, read 'Automatic Millionaire' then 'Smart Couples Finish Rich'. The first time I came home from my vacation and paid off 14K in 3 months. Years later and then meeting my amazing wife, same money issues again. We were married, one awesome boy, and I promised her in March 2011 that no brother or sister unless we paid off all of our bad debt (credit cards, cars, etc.)
In the past 30 days, Dec 2012, we both liquidated as much as possible and paid off/settled around 42K dollars of bad debt off. Our monthly bills went from over 5K a month to less than 2K.
Your website, your book, has changed our life once again!
The bottom line is that when enough pain has been applied you must make the change!
By the way, the reason I was able to buy multiple properties, some wedding money, down payment on a 3rd house, bought a car cash.....100% due to your advice of maxing out a ROTH IRA each year and pay yourself first.
We now will be able to add to the family!
Our marriage is saved, our stress level has lowered, no arguments about money because we know where it is going (to our future).
We max our ROTH IRA, emergency fund almost there.
Thank you,
The Brown's
- Tim Brown
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February 24 2012
David,
THANK YOU!!!!!!!!!! For years I have been trying to pay my debts down. I always found myself living paycheck to paycheck and debts were still there and was always dipping into saving just to make it through next pay period. I bought your book last year and I must say it truly works. Your DOLP plan worked. I have payed off all credit cards except one and that last one will be payed off by March 1st 2012. I have also managed to save money. I took a vacation with my husband and two girls and payed cash for everything. It has been great knowing that I don't have debt from going on vacation and still managed to save money.
Thank you, again.
I am truly grateful for your help in giving a peace of mind in my financial world of chaos!!!!!!
Sincerely,
Ivette A.
- Ivette A.
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February 24 2012
I would just like to say that Jesus loves you and that I have a better understanding of how much money I could be saving and how much I am really losing. You are truly and inspiration.
- Angela Knoll
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February 24 2012
Hi David,
I have been reading so many books about how to succeed. I'm still shocked on what I have found, my latte factor was $2,956 per month for the last 5 years. So what that means is I have wasted $177,360 instead of putting it in my bank account, I feel so bad! I didn't get the amount of how much I could have in 10, 20, 30, 45 years because the limit on how to calculate was $20 per day my latte factor it's $98.53 per day! Please help me on how to manage my money, I'm starting to put my expenses on automatic, but I still need help on how to manage my money. I'm making over $10,000 per month at the end of this year it'll be over $20,000. I know I can do this and I can succeed with your mentoring and teaching, right know I'm watching videos of you also, I need to be prepared for the upcoming years on my business because my earnings will double or triple just to start, if I have had not read your book my latte factor for the next 5 years it could be the same, reaching the amount of $354,720 in 10 years. Thanks a lot David! I'll be waiting on extra information on how to invest my money for the next months I think I could invest over $30,000 per year!
- Jesus Dominguez
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February 24 2012
I just wanted to say that I now have most of my bills automatic and am working on making my investments automatic too. I love the concept and wish I had read your book years ago, but I have now and I am working on my fortune! I will have my one debt paid off, then all I will have for debts is my Mortgage. Then I will be working on paying off my Mortgage and putting 10-12% of my income away a year. I would like to get it to 15% and 10-15% extra on my Mortgage as well. I am on my way to getting to this point. By the end of the year I will have my consumer debt paid off and an extra $500 extra on my Mortgage and $2000-3000 in investments. 2012 will be a very profitable year!
- Darin Johnson
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January 4 2012
I first read Smart Women Finish Rich as a freelance musician trying to make a living in New York City. I think what’s hard about being a freelancer in any field is that sometimes your success is directly proportional to the amount of work, or “hustle” that you put into your career. Not only do you have to be good at what you do, have the discipline to work hard and practice, but you also have to get everything else right: you need to always be on time, be friendly and outgoing, be well-rested, be organized, and generally do whatever else you can to distinguish yourself from the many other people who do the same type of work. I had been at it for over ten years when I realized that I was exhausted by my work and frustrated with my financial situation. I kept asking myself: “Why am I working round the clock and I feel like I never have anything to show for it?” The answer to this question was really, really complicated. I’m one of those people who LOVE my job. I mean, I LOVE IT. I get to make amazing music with amazing people, teach wonderful, deserving students, and interact with people in so many different ways. On a day-to-day basis, if you asked me if I was happy, I would probably answer “yes”. However, while I was happy with my job, and felt like I made enough money, I didn’t feel like it was building towards anything. As I got older, I saw my money follow the same path each month – I would put a little bit away sometimes, but mostly my money went towards paying my huge rent, my health & car insurance, my cable and electric bills, my student loans, and then my credit card bills, which always seemed to creep mysteriously high.
I had been saving up to by an apartment for over 7 years, but set myself back a little bit by buying a car, so I was renting a very small place for $1650.00 per month which I hated. I also had really nasty landlords who kept trying to raise my rent. I dreamt of someday owning my own place but kept thinking that I would get around to it later. I also had slowed down on my contributions to my IRA. I hadn’t put anything in for three years! It was mostly because I got very scared when everything started to go south with the economy in 2008, so I figured it was better to just not do anything for the time being. When I realized how unhappy I was with my financial situation, I emailed my friends who seemed to have it more together than I did, and asked for their advice on investing and IRAs. My good friend Suzy Perelman wrote back immediately and said that the first thing I should do is to read Smart Women Finish Rich! She told me how she had read it 12 years earlier and how it had been the boost that started her on the path to owning her own apartment and making a lot of her dreams come true! I immediately ordered a copy on line and then since I couldn’t wait, I stopped off at Barnes & Noble the next day after work and started reading it there, just so I could get a taste.
I think what immediately spoke to me was “pay yourself first”. It really connected with my essential frustration, which was that I worked SO hard and such long hours but felt like everything was just slipping through my fingers. I realized just how high my latte factor really was! I had been spending tons of money on cabs, restaurants, clothes, and other things that I had been excusing as “necessary” because of how busy I was. Yes, I probably could have packed my lunch for work, or taken the subway, or made coffee at home, or worn clothes I already had to work, but I kept saying to myself “you work so hard, you deserve it!” David’s book made me realize that I deserved much more than these little items that I had piddled away my money on. By sitting down and writing out my values ladder, I realized that what I wanted more than delicious takeout four times a week, or new boots, or cute tops, or a quick way home in a cab, was that I ultimately wanted to feel at peace, as though what I was working for was building towards a sense of security and stability. I wanted to feel as though anxiety wouldn’t creep into my head every month when it came time to pay the bills. This really meant a lot to me because there had been times where I thought I might have to give up music and get a “regular” job for the purposes of at least knowing how much money I was going to make each month. By cutting out my latte factor (or at least reducing it substantially) and paying cash for everything, I was able to eliminate the dreaded surprise of the credit card bills at the end of the month. The other element that changed everything was when I sat down and wrote out the actions I would take to make dramatic changes in my financial future. I wrote out many goals that night, but I really remember this one: “In 6 months, I will own my own apartment.” What pushed me further that night was the element of having to take action in the next 24 hours. It was a Friday night, and I was near my computer, so I thought “why not just look and see what’s out there right now?”. I went on some sites and found that there was a one-bedroom available in a building I had been interested in, and so I called up the agent and made my appointment for the next afternoon. I put an offer in the following Monday, and it was accepted the next day.
It wasn’t easy – I ended up having to borrow some money from my parents for the down payment, even though I had really wanted to do it all on my own. However, where in the past I might have given up because of having to deal with family or any of those old challenges, this time I pushed myself to follow through and keep my sights on the goals I had outlined, realizing that the bigger picture was what I needed to focus on, rather than the petty roadblocks that kept me on the frustrating hamster wheel of “work like crazy, spend like crazy, be unhappy”. I even managed to contribute the maximum to my IRA before I made the down payment, and my credit card bills stayed blissfully low since I continued to pay cash for everything.
It’s now November, 8 months since I read the book, and I now own my own apartment, with a combined mortgage and maintenance that is $50 lower each month than the rent I was paying to my nasty landlords! While financially this move made great sense, the best part of it is that every day when I come home I know this place is all mine. I no longer fear a knock on the door about anything, or a letter telling me my monthly payment is going up by $100.00. The feeling really is priceless. I think the lesson I learned is that a little bit of responsibility with money goes a LONG way in terms of freeing you from having financial worries hanging over your head all the time. And what’s more, I’ll always have this place – for the rest of my life, the money I’m paying is ultimately going to me. Knowing this helps a lot when I work like crazy all the time.
After I closed on the apartment, I got a call from two friends of mine who wanted to meet to discuss career issues, and during that meeting the financial aspects of working as a freelance musician came up. I told them that I had read Smart Women Finish Rich and that they should too! A week later I got a “thank you” text from one of my friends who had already read it and had gotten her finances in order immediately. She even included a picture of her file folders just to show how excited she was. Since then, I’ve suggested it to many friends and all of them have thanked me for it and said how excited and empowered they feel to finally grab the reigns in their lives and take control of their money. It means a lot to those of us who work in the arts, especially because there is this myth out there that we should all be suffering, starving artists who sacrifice everything in order to live a meaningful life devoted to their art form. I think what finishing rich is about is not just having a lot of money or even just enough money, it’s about being rich in the sense that you don’t have to go under to do what you love, you just need to put your values at the forefront of your whole life, not just your financial life. If you do that, the money and how to manage it follows!
Thank you so much, David!
- Katie Kresek
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January 4 2012
David- About 7 years ago I purchased Smart Couples Finish Rich. At the time I just got married and was doing my best to get our finances in order. I’ve always been a saver, but your words gave me the added drive and focus I needed to meet my #1 financial goal of home ownership. I remember being blown away the first time I read about how the #1 financial mistake couples make is having a 30 year mortgage. At the time all of our friends were buying homes. But instead of taking the mortgage debt plunge we decided to wait and save instead. It was hard at first being one of the few people who were still renting. But in the end it paid off huge. After five years of very disciplined saving my wife and I purchased our first home. We paid a big down payment on the house so we would have a small monthly mortgage payment. In fact our mortgage payment now is half of what we were paying to rent! Not only that, but we still got a great price for the home (post housing crash), a great rate, and a first time homebuyers credit from Uncle Sam. After we purchased the home we took our savings and started making some big additional principle payments on the home. It’s absolutely amazing what we’re saving in interest! In less than 2 years we took our 30 year mortgage down to 6 years. Now we’re at the point where we could easily pay off the mortgage with plenty of funds still left in our emergency reserve. But we’re going to wait just because of tax purposes and amazingly low amortization rates. I’m 33 years old and I’m proud to say that I could flat out own my house free and clear tomorrow if I wanted to. Thank you for your advice. I know it ended up saving me tens of thousands of dollars. More than that I have a great home for my wife and two daughters. You’re right, debt-free home ownership is a goal worth striving for.
Nick Foerster
Madison, WI
- Nick Foerster
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January 3 2012
Hi David,
I am 31 now and until last year I havent done anything to develop a nest egg or additional savings. In Germany, you have to do your own private saving as the compulsory retirement savings account for everybody isnt enough. After reading your books I started to pay myself every month with money going to a special account. Also I got the German version of a Roth IRA and a stock investment plan to which I automatically contribute. Plus I downsized my personal consumption by growing my own food, not eating out anymore and getting rid of useless stuff I own at ebay. Thanks to all this I was able to buy finally a decent car to get to work, pay down 6000 Euros in student loan and develop a little emergency fund of 1000 EUR! Thank you!
- Martin Pohle
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January 3 2012
Dear Mr. Bach,
I want to thank you for writing your books. As with all creative endeavors, I am sure you felt uncertainty as you began. I am so glad you set aside that uncertainty and wrote anyway! You have made an enormous difference in my life. I came across "The Automatic Millionaire" at the library book sale. Some generous soul was parting with it and thank goodness. You see, I am an artist, and I have a wonderful daughter who was born 4 months early. Although very bright, she will always struggle in this life so my prospects to go out and earn a living have been curtailed. Paintings don't always sell, so by the time I found your book I was feeling pretty concerned about the future. Thanks to you I have a ROTH, and I set up a recurring contribution through JustGive.org. Those two actions improved my life immediately, in the way I felt about myself and the future. In fact, I was so excited about this book I gave it to one of the young ladies who works at Panera as I was saying farewell to my latte factor. I hope she uses it and shares it with all of her friends.
Then, I found "Start Late and Finish Rich"...and now I am filled with hope and excitement. You have shown me many ways in which we can not only survive, but actually get rich and dare to dream! When I read about REIT's, I immediately went to my financial advisor and had my Roth purchase a share in one. Rebalancing will come later, but now I have all the three pieces of the pie in place. At nearly 50 I am indeed starting late but you threw me a lifeline and I'm grabbing it.
Thank you!
Melissa Pierson
- Melissa Pierson
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January 3 2012
Dear David,
Once you have lived in the country, it is difficult to return and live within the boundaries of city life. But live in the city we did for many years, caught the trappings that seem so unimportant now. Leanne, my wife, grew up in Budgeree – a glorious place of rolling grassy hills that in the closing decades of the the 19th century was cleared and carried dairy cattle, and is now home to an eclectic mix of dairy and beef herds, market and hobby farmers, and simply those seeking a quieter life. She left for city to study teaching in her late teens, but home was never far away. A two-hour drive would see her at the kitchen table of her parents, with coffee in hand, catching up on the local news.
I had but fleeting experiences of the country compared with Leanne, but those experiences have stayed with me to this day. Most memorable were pineapple farms, friendly people that would treat you as one of their extended family, bare feet, and living most of the day outside made me feel as though I was truly home.
This feeling of wanting to return the country grew inside Leanne and I up to the point where we were unable to ignore it anymore. We wanted to reconnect with nature, with each other and to live a life more simple. This is our story of success.
In moving to the country, we have totally changed our life and our thinking. We self-built our family home using sustainable materials. We invested in sustainable energy systems (wind and solar), and solar hot water that heats our home (boosted by a wood fired boiler) - all costing less than connecting to the electricity grid. Consequently, we have no energy bills other than fuel to run a backup generator. Life is simpler. We spend a lot of time in the fresh air outside, tending to the garden, planting trees, or exploring the natural wonders of our local area. Living 30 minutes out of town means that we need to plan our shopping in advance and ultimately save money in the process. Leanne and I have found jobs close to home and although our collective take home pay has dropped by 25 percent, we have more money in the bank than we ever had. Our children catch the bus at our front gate, instead of us driving them 15 minutes each way to get to school. We keep a brood of hens, and they feast on our food scraps each night. Hens are easy to keep and provide an abundant supply of eggs. The land around us gives opportunity for growing our own vegetables, fruit and herbs. We are at the very start of this journey and have so much more to do.
The list of benefits of living closer to nature is endless - the list of opportunities even greater. It’s a choice that has brought abundance into our lives and for that I am eternally grateful.
Luke Potter
Budgeree
www.budgereehouse.com
- Luke Potter
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December 13 2011
David,
I read Automatic Millionaire after graduating university, and incorporated it with brilliant results! I'd paid off some $20,000 in student loans inside of two years!
For some reason though, after the student loans, I stopped with your system. But I recently bought Debt Free For Life, and I'm inspired once more!
One huge breakthrough for me came when I tracked all my purchases in Quicken for a few months. I was able to identify all my hidden bills, like bank fees, that I wouldn't have thought of otherwise but were draining my accounts just as much.
I then automated it so half of all my bills would be transferred to another account every paycheck. That way, instead of having more bills in the last half of the month, and having to check the couch cushions and return my empties, it's a constant load throughout the month!
David. Thank you.
-Phil Boycott
- Philip Boycott
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November 23 2011
Today is 11-11-11 and I have just completed your book, The Automatic Millionaire. I am in my late twenties and my fiance is in his early thirties...there couldn't have been the more perfect time for all this knowledge. We are purchasing a home, debt free and ready to build a future for ourselves and future children.
Thank you!!
Jennifer
- Jennifer Collura
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November 23 2011
I just completed my Latte Factor Challenge and wanted to share my experience in hopes of winning a free mug to enjoy my Latte's at HOME!
Well, real simple and plain, basically my Latte Factor was wrapped up in eating out EVERYDAY and a bunch of other things like a Sprite from the gas station, that ice cream cone or a random end cap item at WalMart that caught my attention on the way out (which I didn't intend on buying when I went in).
My Latte Factor monthly number is approximately: $157.63 ($160)
I didn't intend on coming up with a number so high but I truly can cut back on my spending this much or more on nonsensical things.
Thanks a million for helping me to realize this!
Jerome
- Jerome James
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November 23 2011
Well I wish I had a Great start to my Story. But Unfortunately everything is not going as planned in the past year. It's Okay. Obstacles are opportunities, and that's how I will continue to look at things until I notice God working for me which I plan on working for him* I was hanging out with the wrong "friends" and found myself in trouble twice too many times. I actually read your book while I was in CCNO jail serving some time. I truly Thank God I did not hurt anyone. While in there I read your book, before I went in I had started my business plan I was attending college for Business Management, to be an enterperneaur and I waitress Full-time. My goal and Dream "Living or Existing" is my business plan which will help people be healthy and happy and I cannot wait to get it started. So, when I saw your book I knew it was a must read! I really liked the Latte Factor. I never really considered all the little things I had been spending my money on, money which I could start saving. Also, how you mentioned if your not owning a home then your paying the land lord money that could be going towards my future! Also with the helpful self- employed tips that A can consider once I get my business rolling. I took a bunch of notes from your book " The Automatic Millionaire". Unfortunately, the day I was getting out my Dad Passed away and that was truly heartbreaking to me. But also very expensive. I will not let this hold me down though as soon as I get back on my feet and continue taking care of business I plan on applying many of the smart ideas you had in your book to my daily life and I cannot wait to see the changes for a better.... Thank you again for taking time out to write a book that will help anyone if they just take the time to accept the knowledge and read it. :) God Bless you* Alexia
- Alexia J
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November 23 2011
Dear David,
I read your free copy of Start over, Finish Rich. My latte factor was $5.00 per day. I started automating my bills. I also went on my state treasurer website and found money from dividends I forgot to put on reinvestment. Thank You. I will continue reading your books.
- H oneale
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November 9 2011
My story begins in December of 2009. I was charging when I wanted something, then it evolved to charging when I ran out of money…until it evolved to the point of getting a paycheck, paying my bills (minimum payments only) and not having enough money left to live on until the next payday. I felt as if I was in a state of perpetual broke-ness! NO FUN! A 41 year old with a decent job should not be living like that. I realized that I was behaving like a petulant child who felt like she deserved to have what she wanted right now, buy now – pay later. I realized that I was making my present life very stressful and killing my future. I realized (finally) that “treating” myself to some shopping, was not treating myself at all! I changed the way I was thinking about my situation….I had gotten myself into it and could get myself out of it. I recalled the Oprah’s Debt Diet. I’d diligently watched every week, taking notes, seeing families that were in way worse shape than myself slowly work their way out AND see that they had a future with retirement savings! At the time of the show, I was in denial, (I felt that as long as I could still pay my bills, then I was ok – ha), but it all came back to me when I realized NOW is the time to change my habits.
I decided that for the entire year of 2010, I would not charge and I needed to do monthly updates on Facebook to keep myself accountable.
I started my journey with $27,440 in CREDIT CARD DEBT. The two things I had going for me was that I have never been late on a payment in my life, so my FICO was decent at 733 and all of my credit cards have LOW interest rates (all under 10.25%). I had 5 credit cards and have DOLP’d two. The remaining ones I call my three kids – AmEx, Citi, and WF Visa – they are big. My lowest credit card is the American Express at $3200, then after that is the Citi Visa at $5900, and then the Wells Fargo Visa at $12645.00.
Each month, I gave a status update about how I was still charge-free, how much I had paid down on the cards ”kids”, and how much total paid on debt (including house and car)...part way into the year I got into investments! I had a Fidelity IRA and rolled it into a WellsTrade account and picked some stocks. I started with $29,778.00 in that account and it is now up to almost $36,000 as of today. I also have 401K that I max out. By then end of the year, I’d whittled away $4,600 in credit card debt. I have kept going with my fiscal frugalness 2011 and have paid of another $1,400. Due to large vet bills during 8 months of this year, my progress was hindered, but now I am back on track.
Progress on my debt free lifestyle is slow, but I know I will get there. I am very serious about this and am proud of my progress. I thank you for showing me way back on Oprah’s Debt Diet that even the worst cases have hope! After hearing you speak last night I now see that I need to research my investments in my 401k and understand them better. I also need to do the folder system to be better organized.
Thank you for coming to Des Moines!! I am so glad I met you in person. Here is the picture that was taken last night. It seems a little hazy for some reason. Maybe the picture from your camera turned out better. I’ll email you again down the road to let you know when I have become DEBT FREE!!
- Jennifer Hampton
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October 20 2011
David, I wanted to let you know I have been listening to your books on cd on my way to work. I was so inspired. I wrote down the websites to check for unclaimed money on the weekend, when I am off. I really didn't think I would actually receive any. The form asked for proof that the account was mine. No info was provided about the account. Some I had taken the time to print the forms and had started filling them in before I realized account proof was needed, I filled in what I could and mailed it. I didn't think anymore about it. About a month later I received a check in the mail for $801. I was quite surprised. I have decided to put the money in my Start Late Finish Rich ROTH IRA. Thank you!
- Twila McClure
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September 14 2011
Hi David,
My name is Tracy from NY. I just finished reading your book fight for your money. When I saw this in the library I just knew I had to read it. I am the type for person that's always looking to save and fight for money whenever I need to. I am so happy that I did, I learned so much from this book. I told my friends how great it is and we actually bought a copy each because it's such a great book to have as a reference. When I read the section on TV and Phone that was a personal experience I dealt with. I totally agree with you cable TV is truly a joke. My family had Cable vision for several years and I tried several times to convinced them that it was not worth the money we are paying. Finally, last year I did the calculations showing how much money we were wasting, and we canceled our bundled service and only kept the internet and added Netflix. So from pay $200+ a month now we are pay $58 for internet and Netflix and I never been happier paying the bill until that change was made. I feel like we are getting what we are paying and enjoying the services as well. After reading Fight For Your Money it inspired me to fight for my money even harder. I also read the Automatic Millionaire, loved that book as well. Next on my list is Smart Women Finish Rich. I want to thank you so much for writing this book, it is truly a great help for anyone looking to help themselves for the better. I love the way it's written, you not only showed us the problems but also the solutions and where to look for help.
Once again thank you for writing inspirational books.
~Tracy
- Tracy Forbs
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September 12 2011
Hi David
I was at the library yesterday to pick up a computer book when I saw your book on the shelf. I think the book just came in yesterday at the library. I went over the last chapter of the book and just out of curiosity searched the missingmoney.com website with my name. GUESS WHAT. Surprisingly my name showed up. It turned out that I bought some shares of a company in 2002 and totally forgot about it. The finance company was unable to contact me since my address got changed. I just talked to the Department of Treasury, Unclaimed Property Division and they will be mailing the check (around $2000.00) in next 30 days.
Thanks a ton for the book.
Regards
Muks (MI)
- Mukul Mitra
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September 12 2011
Hi David Bach,
I go by the name of Lucy Kariuki,from Kenya,Nairobi area. Your book Smart Women Finish Rich has really blessed my life. I am wiser, you caused me to dream again, my dreams are now measurable, and specific and I must attain them. I have to say I never liked finance in campus but you took it and made it look simple yet profound. When I finished reading it I prayed that God will truly add into your life, like you did to mine. Thank you so much and the 12 commandments for attracting greater wealth?! Wow!!!!!!
- Lucy Kariuki
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August 30 2011
Hi David!
I read Debt Free For Life and followed your directions for getting my rate lowered on my credit cards. I called Sears and followed your steps and got my rate reduced from 25.24 to 19.24%. I also signed up for DebtWise and I am so looking forward to getting out of debt! Thank you for your wonderful advice!
Karen Hastings
- Karen Hastings
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August 30 2011
Dear David,
We have definitely been in a good place, a lovely house in a pretty neighborhood. A holiday every year. But after our business went belly up, we went broke. I saw the other side of life. Hardly able to buy groceries for my family. Heartbreaking. We decided to sell our family home to pay the looming debt and now we are in a more balanced place. We are 40, renting a nice house, in a nice neighborhood. But we are debt free. I am writing to tell you two things..
Today I started your book, Start Late, Finish Rich. Very excited to start looking ahead again, instead of being weighed down by the past. I will let you know how it works out for us!
The other reason is, while we were getting on our feet I went to work at Starbucks. (great company by the way!) I can't tell you how many people charge their purchases! I would cringe when I would see someone charge their vente latte and muffin every day, 5 days a week! That is a huge 'Latte Factor'!!
My mantra now is, if we can't pay cash, we don't do it. Nothing is charged. I think I'm the only one of our friends that wasn't in debt after Christmas, and paid cash this year for a trip to Disneyland.
Today I start our journey to save for our future, thank you for the inspiration!
Kind Regards,
Christine Musgrave
Vancouver Canada
- Christine Musgrave
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August 30 2011
David, Just picked up your book while browsing at the bookstore and enjoyed it! I made the commitment to get out of debt by the time I turn 45...which gives me 3 years. Reading your book made me feel good that I am on the right track; however you also provided additional tips that I am now trying out to make my goals occur sooner. I plan on keeping this book for my son to read when he is older (He's only 7.) I will do whatever I can to make sure that he does not get overwhelmed with debt as I did. My parents were unable to be the best role models for me at times and I find myself now providing them with about $200 a month to help them. I know this is money that I could be using to pay down my debt, but they are my parents. I am just doing what I can (and busting my butt to do it!) so that my son will never have to feel what I have gove through the last 15 years. I want to be a better role model for him...insisting that I am paying in cash and I explain to him why. Thank you for keeping me on track! I am excited to read your additiional books.
- Lisa Draper
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