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January 20 2005
I can't belive how much money I've wasted in the last year!!! ON COFFEE and snacks!! I am a single mom of 3 small children and a teacher. Every day during our first recess, a co-worker and myself would race to the nearest Chevron for more coffee (I always bring a mug full from home, but it's gone by 9:30am). As I was reading your book, The Automatic Millionaire, I started doing the math of what I was spending each morning. EVERY morning, 5 days a week, I spent $1.10 on coffee plus $.99 on a pack of Hostess donuts, and another $.99 on Peanut M&M's for a little snack later on in the day. First thing I realized was I eat a lot of junk...NOT GOOD! Second thing is that I was spending $3.08 EVERY DAY...that's $15.40 a week, which is $61.60 a month, which is $616.00 during our school year (10 months)!!!!!! I was, and still am, absolutely SICK that I've wasted that much money on coffee and snacks when I could've invested that money instead!!! At $616.00 a year, that would've been $15,400.00 over the next 25 years!!!! And that's only if the prices stayed the same over time, which of course, they will only be going up in the future!! I go back to work tomorrow to start another school year and you can be sure that I won't be going for coffee and snacks anymore....The Latte Factor has opened my eyes....that money I used to spend on Chevron goodies is now going into an IRA for my future!!!

THANK YOU for such a wonderful book!!!! You brought to light SO many things, things that I will be doing from this point forth (Paying myself first, paying down my mortgage quicker and NO MORE Credit Cards!!). :)

Have a blessed day!!


- Tara Richards

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.