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January 26 2007
David-

First and foremost, I would like to thank you for changing my whole outlook on life. Since the moment I first perused Smart Women Finish Rich, I knew I would never deal with money in the same way ever again.

As a college student, learning to balance my spending has been a challenge, to say the least. I had managed to spend over $5,000 in the first semester on absolutely nothing significant. My check card seemed like never-ending gift card, that is, until I looked at my dwindling account.

I was chatting with my best friend about my spending issues, and she handed me her copy of Smart Women. I opened to the Latte Factor chapter, as I knew my unnecessary spending was the main culprit, and I could not put the book down. I managed to finish the entire book in a matter of hours, and re-read it the next day. The rest is history from there.

I felt so incredibly inspired, that I immediately gathered $550 worth of clothing I had not yet worn and returned it all. I took the money, along with some other savings, and opened up a Roth IRA. I cut up my check card and have resorted to using cash, as it is much harder to spend twenty-five $20 bills. It feels so great to already have a handle on my financial issues!

I started a Dream Basket, in addition to my IRA. Investing is much more exciting and rewarding than a shopping spree! With some of the money, I have purchased several copies of Smart Women to give to my dearest friends. I want them to be financially savvy and smart too! We are in the process of starting a student organization at our university to help other women understand their finances and educate them on your principles!

I am so grateful that you have taught me these principles at this point in my life. I look forward to achieving my goals and maintaining my values, as I have so much ahead of me. You provided invaluable information on never settling and earning what I deserve, along with advantageous advice on controlling my spending and enhancing my savings. I am so glad that I have a “Smart Woman” mind-set before entering into my career and ever facing any debt! I feel so prepared to make the most of my earnings in the future!

With gratitude,
Smart Woman Convert for LIFE!

- Kelsey Duda



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