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January 26 2005
I recently read The Automatic Millionaire and Smart Women Finish Rich and I am totally motivated to get my finances in order. I am 28 years old, married, and have a 2 year old son. In my family I am the one that usually make the decisions on money issues and I realized that all of my decisions have not been smart, and through your books I have learned from my mistakes. My aha moment occurred when I took the finance quiz and I scored a 2 or 3. There was a lot I did not know that I needed to know. I now have my finances filed the way you suggested in SWFR and I feel so much better. I met with my financial planner and was able to ask intelligent and informed questions. I felt that I was in control of the meeting and sure that my needs would be met. I even brought the two books with me to the meeting and showed the advisor how I needed my 403b plan reallocated. I am also getting more life insurance, in the process of getting disability insurance (owner-occupation), calling my lawyer to devise a will, and I opened a mma to start my rainy day fund.

I am so glad that you were on Oprah! You and the success stories have definitely changed my life and my family's life for the better. I am also in the process of bringing my stubborn husband:) along for the ride. There is so much I could write but I just want to say thank you, thank you, thank you for sharing your knowledge with the rest of the world. I know from this day on my life will be different because of my new knowledge.

- Nadirah 

January 26 2005
I purchased your book, The Automatic Millionaire, recently and hope to finish it tonight. Actually, I am so excited. I have always been good with my money, but after my divorce a few years ago, the job of managing my money became ALL MINE, and I am having fun watching my money grow.

I know what you mean about the coffee's, lunches, lottery tickets etc, all adding up. I never got into those habits so for me, I have to look a bit further as to where I can cut back. I spend money in the dollar stores, but in the long run, I really save a lot there, especially on the 50 cent greeting cards. As far as clothes, I am in desperate need of new ones, and I make excuses NOT to spend the money and try to revamp new outfits by changing the "tops" with the same black "slacks".

I have created a decent portfolio for myself, something I never had before. I have mutual funds, laddered CD's, a few money markets for the emergency fund, 8 months of living expenses, own my own home with no mortgage, recently started Vanguard Funds, no load, unlike my American Funds, and have IRA's for the past 5 years.....so I have come a long way and I am proud of myself. I am currently automatically investing in the Vanguard Fund out of money I recently inherited, hopefully dollar cost averaging. Thanks...hope I win a mug!!!

- Gloria 

January 26 2005
David,

I will never be able to thank you enough for the changes your book and program have brought into my life.

My name is Teo Simu, I am 25 five years old and I work in a restaurant called Zigs bar and grille. My boss Tom Kennedy, his daughter Heather and I are enrolled in your coaching program. I have just purchased my first home, and because of you I paid a Lehman Brothers BK a fee of $195 and automated my mortgage payments to weekly, instead of monthly. I will be able to pay off my house in 21 years instead of 30, and save over $50,000. I have automated all my bills, have the filing system in place, have a Roth IRA, I got my credit card company to lower my interest rates, and I am working on paying off my debts.

The amazing part is that three months ago my life painted a completely different picture. Thanks to you, for writing the book, and thanks to my boss, who encourages me to grow, now I am in much better shape than most people my age. And I work in a restaurant!!! I am on my way to becoming a millionaire, and that is awesome.

Thank you,

- Teo Simu

January 26 2005
I have never read any of your advice but I am halfway through the The Automatic Millionaire and I really like it. I will be sharing this book with my wife when I am done. It is simple enough to read and keep someone's attention, and that is very important.

I own a successful medical equipment business and honestly I have heard for a long time that I am very good with money, but recently I have found myself purchasing and spending money that I would normally never spend. I think I started getting caught up with "keeping up with the Joneses." I contribute all that I can to my 401k and Simple plan but after reading your book, I have decided to include my wife in the retirement plan as well. I also have emailed my financial advisor/broker and asked him to set me up with an additional $250 a month auto pay towards some kind of conservative investment such as a mutual fund. This book has allowed me to refocus on the things that are important in saving money. I am always concerned with the "rainy day". I purchased several copies of your book and I am going to give them to some of my employees that I think can benefit greatly from it. I will keep your book in a library I am starting at my office so that anyone has access to it. Happy employees are good workers and I have many that live paycheck to paycheck even though they are making very good salaries. Again, the length and material in your book make it easy to read which will ultimately help a lot of the people that really need it. I appreciate your ideas and thank you for your thoughts.

- Rick Staab

January 26 2005
I just want to say how much I enjoyed your book. I bought it last night and read it every chance I had during the day and just finished it. I have read many other books over the years on investing and yours is the most straightforward. I also like the idea that your's was based on lifetime, not in 6 to 8 months.

Your book has inspired me to tell others about how to set up the automatic pay yourself first. I am a Police Officer with the City of St. Petersburg. Our city has two different deferred compensation programs that we can join at any time. This was never told to me until I was on the department for 10 years. I had my own mutual fund savings where I was putting 10 percent away but I was paying the taxes on it right away. When I found out about the programs I signed up and have been increasing my deductions with every raise I get.

We are currently hiring a lot of new officers, and after reading the book I have decided to put some of your ideas together for a 15 to 30 minute class for the rookies on how to make investing AUTOMATIC. I wish someone had done this for me when I came on. I will also encourage everyone I talk to to get your book and start to apply what you have written about. Thank you.

- Richard Thomas

January 26 2005
Wow! I saw you on Oprah and immediately purchased your book. I increased my 401K contribution to 10% today (from 5%) AND automated most of my bills and charity!

What is my coke and candy factor? Out of this world! Stop by McDonald’s to get a biggie coke at $1.50. Can’t just get a coke, buy large fries at $1.50. Work from home, so at lunch go to the grocery store to “see” people, leave with $10.50 of non essentials…cookies, expensive lunch, coke ($1.19/bottle). I’ve spent $13.00 and it’s only 11:30 a.m.! Mid-afternoon slump, let’s go to the bookstore and grocery store. Have lots of food at home for dinner, but spend another $11 on steak and A1 sauce.

Last night reading your book was definitely the AHA! moment for me. I have credit card debt and the “should” pay this and that first was ringing in my head as I filled out the new 401K. I still faxed it off to my HR department first things this morning! It will be a little “tight” for a while, but it will be worth it! As I watched QVC today (fashion day, don’t you know?) every item that tempted me was greeted with my brain saying: “that’s two hours of work, or 4 hours of work. That’s not worth it!”

Thank you and Oprah! My life is about to change.

- Gina de Groote

January 26 2005
Smart Couples Finish Rich teaches women and men to work together as a team. Powerful, yet easy to understand and fun to implement. The entire family can benefit from this great book!

- Robert T. Kiyosaki

January 26 2005
Your book is exactly right. I liked the bottled water part, because once I figured out just what two bottles of water at $1.00 each costs you over your life time, and it was amazing. Add a candy bar to that. As a school teacher I had the opportunity to counsel other teachers badly in debt. Anyway, I have never had a credit card, paid cash for my cars, my house and all else.

In 1972 I decided to buy one house a year for ten years, hold them for ten years, and then sell one a year for ten years. I finished my plan in 2002 - five years after I had already retired. By 1980 I had enough money coming in (I was a low paid school teacher) to begin putting 10% before taxes into a Deferred Comp plan. The next year it was 15% and eventually, I figured out how to save 25% of my before tax income, which I did until the day I retired. We teachers have to go through retirement counseling and when I did, I brought in my savings, bank statements, stock accounts and most importantly the social security statement. When the lady doing the interview asked me why I thought I could retire early. I handed her first my SS statement which totaled all the money I had made in my life time. She wasn't impressed. I then showed her my Deferred Comp total and she literally fell out of her chair. I had saved more money that I had earned in my entire lifetime. Ha! I really had fun at that interview.

- Dr. R. McGinnis

January 26 2005
I email you from Bermuda, my home. After I saw "Oprah" on tv a month ago, I bought and read "The Automatic Millionaire". My Latte Factor Challenge showed I was spending $148.95 a day because Bermuda has a high cost of living. I recorded my spending money on my small pocket calender every day for 7 days, plus I wrote down my husband's spending weekly. I figured out a budget to keep in my mind - for example my hairdo will be 4 times a year ($87 with treatment) and massages (that I love) will be 3 times a year ($78 with full massage). I promise myself if I use my local credit card, I will limit it to less than $250 a month. I have another credit card for travel and I still auto deposit $100 monthly in a US savings account.

I will receive your other book "Smart Woman Finish Rich" from my mother-in-law in Florida and I'll think about "Smart Couples Finish Rich" later. I emailed both of my sisters about the books by David Bach. I hope they will read them soon.

Thanks lots,

- Tammy Jackson

January 26 2005
The enthusiasm of David Bach is motivating and contagious! Hearing the success stories of how others are also doing in the program makes one feel like “we are all in this together” and that we can change.

The program will be worth at least a few hundred thousand dollars in retirement savings alone. I know I’ve already saved more money in taxes from what I’ve learned than I invested in the program.

This program has given me a sense of security about my finances—giving me more freedom to be the person I want to be.

- Sarah Anderson

January 26 2005
What I loved about this program is that the structure contained accountability and integrity. It was also a Forum to learn from others.

It has changed my life and the life of my husband and our children!

- Nadya Ichinomiya

January 26 2005
I used to think my Latte Factor was buying get-rich books, but I was shopping at Target the other night and paged through the book The Automatic Millionaire. Seeing some interest-peaking ideas, I purchased the book. It only took me about two and a half hours to read completely. Although some material I had previously read was in there, most of the book was applicable to my own life.

Although I can't give you a dollar figure, I can easily save a couple hundred dollars a month. And although this isn't a new way to save, I want to pitch it in anyway: I routinely buy two rolls of quarters when I cash my check each week. Then I put them in a jug and let them add up. These are added to all the change I collect from the day. Quickly you can have a small vacation fund or rainy day fund. I not only learned valuable information, but I have jumped started my two sons on their future. They have their own mutual funds started and about $75 a month is automatically taken out of the savings accounts. The most important aspect of the book is auto- auto- automatic. If you do nothing, you end up with nothing. Then you end up complaining how much you are run over by the world.

Thanks for a much needed push in the right direction.

- George Reed

January 26 2005
I used to think my Latte Factor was buying get-rich books, but I was shopping at Target the other night and paged through the book The Automatic Millionaire. Seeing some interest-peaking ideas, I purchased the book. It only took me about two and a half hours to read completely. Although some material I had previously read was in there, most of the book was applicable to my own life.

Although I can't give you a dollar figure, I can easily save a couple hundred dollars a month. And although this isn't a new way to save, I want to pitch it in anyway: I routinely buy two rolls of quarters when I cash my check each week. Then I put them in a jug and let them add up. These are added to all the change I collect from the day. Quickly you can have a small vacation fund or rainy day fund. I not only learned valuable information, but I have jumped started my two sons on their future. They have their own mutual funds started and about $75 a month is automatically taken out of the savings accounts. The most important aspect of the book is auto- auto- automatic. If you do nothing, you end up with nothing. Then you end up complaining how much you are run over by the world.

Thanks for a much needed push in the right direction.

- George ; , WI Reed

January 26 2005
I don't have a success story - yet! I saw you on Oprah on Monday, bought your book on Tuesday, began reading it on Friday, and almost finished Saturday afternoon!

Anyway, for the last 10 years that we have been married, my husband and I have been looking for ways to not necessarily get rich, but be financially comfortable. Reading financial books, going to seminars, meeting with a financial advisor and so on. We have been so busy with keeping our business going and working......making money.....spending money (sound familiar, pg 32). Nothing clicked for me. Well, YOUR LATTE FACTOR HIT ME LIKE A TON OF BRICKS!

The Saturday before the Oprah show I bought 4 bagels and 2 Chai Teas at Breuggers before our son's soccer game. I knew everyone should have had a bowl of cereal here, at home, but I thought, this is easier. $10 and how many calories later....Ugh! Hearing about "The Latte Factor" on Monday, now I know why I felt, well - Ugh!

After Oprah I thought I could justify buying one more thing - your book, The Automatic Millionaire. I was just hoping it would be worth it. Boy is it ever! Like you say in the book, the secret to getting rich is "kind of obvious". We know most of the info in there. You just kept it simple and to the point. You know my husband and I own a business, have 2 homes and we are still living paycheck to paycheck. Our financial situation is getting better through refinancing and consolidation. My husband always said, "if we could just make a little bit more". But now I know, because of you, it is not what we make but what we are spending. We are 33 and getting a late start, but better late than never! I am excited about the future. I am telling you, it just clicked! Tomorrow is Monday and I will be making the call to make things automatic!

- Jessi Pandolfo

January 26 2005
David:

Well we were able to complete the last of the homework last night (Monday Sept 13) and was amazed at what all we have learned and experienced in one week!

Since we had already read a couple of your books and have been fortunate enough to start early on the lessons, we had previously (July 2004) determined our Latte Factor and made the changes. We had also semi- “automated” ourselves a few years ago just as the McIntyres did. However we learned we needed to revisit it to maximize our retirement accounts on today’s standards. We also jumped on the idea to automate payments as well our mortgage!

Since we had already addressed our Latte Factor previously, we still tracked our daily spending. Boy was I surprised to see our lazy spending habits. Even though we “have” the money, we were able to recognize we needed better control of our day to day spending.

Once we completed the files (AGAIN!) I went through the “Where Does the Money Really Go”. Talk about an eye opener! I had filled it out without bonuses and commissions. Thank God for bonuses and commissions! We see that the lessons learned through the latte factor this week it is important to ensure financial stability and control!

Thanks for your help and we look forward to another great session tomorrow night (Wed Sept 15)!

- Ray & Marlene Prosise

January 26 2005
I just finished your book, which confirms that although it's taken me some time to get the principles and behaviors under control, I'm on the right track. I've been helping my son with his spending habits and saving goals in the last year and will share your book with him. He's 13 but already seems to have good self-control as well as a developing entrepreneurial spirit. His sister, a little older, is an inveterate saver and appears intuitively to have absorbed your advice.

Your book's great -- thanks and congratulations!

- James Kingstone

January 26 2005
Thank you, thank you, thank you. It's around 2:45 a.m. here is Pomona, California and I've just finished your book "THE AUTOMATIC MILLIONAIRE". What a great book. After I began reading, I realized I had just finished one of your other books several months ago entitled, "SMART WOMEN FINISH RICH", which I just happen to pick up from the book store while browsing the financial section.

Back to the "THE AUTOMATIC MILLIONAIRE", I couldn't put the book down; it was very interesting, informative, and simply written for all ages to understand. I am a 55 year old divorced woman, recently retired and enjoying life. I'm not a millionaire, but I'm okay. I own a home and 4 rental properties (all of which I purchased as a single woman through the years; I was a smart woman (smile); plus I get a small retirement. I've always been interested in math, accounting and finances, that is probably one of reasons I'm okay today. To have a read a book like this 20 or 30 years ago, would have made a big difference in my life today. It would be such a blessing to the younger generation if your book were available (and a must read) for seniors in high school and even college.

I was just so inspired to write and say "thank you" and to let you know that your book will be given as gifts to Kaishawn, my daughter; Darren, my son-in-law; my young nephew, Jason; and all the other young people who cross my path. Again, thank you and bless you.

- Carol Brewer

January 26 2005
We realized that we could cut back on eating out to the tune of about $200 a month. We would still be able to eat out and save that amount of money. That would amount to about $200,000 at retirement. It's pretty amazing.

Thanks for your book.

- Mark G. Sammon

January 26 2005
I'd like to thank you for the "priceless" knowledge The Automatic Millionaire provided me. Although I'm too young to completely understand the concepts (18 and in college), I know someday I will be very wealthy and happy because of your guidence. I look forward to studying your next book Start Young, Finish Rich.

- RJ Baumgartner

January 26 2005
I figured out a way to have my "latte" and eat it too! Every couple of months our local grocery store has a sale on top-brand bottled water. At .20 a bottle, it sure beats the $1 that vending machines charge at work. But my greatest success is that my daughter and her husband saw your book on the kitchen table, took it home and got so excited. They upped their 401ks right away. It sure makes parents feel good to know their children are on the road to success. Thank you.

- Rich & Faye Lehn

January 26 2005
My Latte Factor was buying lottery scratch-off tickets at the store. Now instead I only buy half the amount and save the rest in a Roth IRA. So when I am 65, I will have my own lottery money in my hands.

- Joe Alleva

January 26 2005
Reading The Automatic Millionaire and actually implementing the steps has changed my financial life. Yes, lots of the information was common sense, things that we know we should do but have not done. I actually implemented many of the steps that were suggested - bi-monthly mortgage, automating everything, etc. This book is a wonderful personal coaching program. Once you've implemented the steps, that's it, you can let your wealth start to build itself. I also strongly recommend Smart Women Finish Rich to be able to read over and over.

- Reader 

January 26 2005
I can share my Latte Factor experience with you. I knew what I was spending but, as you stated in your book titled The Automatic Millionaire, it looks firmer when seen penciled in black and white. I can easily spend $3.50 per day in the vending machines at work. I average two cups of coffee and one sandwich per day. I justify the expense saying that I'm too busy to make a sandwich or take my own freeze-dried coffee to work. I "deserve" the treat.

The $3.50 becomes $105 per month; $1,277.50 per year; $12,775 per every 10 years! That equates to $51,100 in 40 years!!

I was aware of this money loss. I am careful most of the time. Your book is an excellent reminder to me and will also get me in tighter control for 2004 and beyond. Thank you.

- Dianne L. Wagner

January 26 2005
I found that over the course of a year I spent nearly $500 in ATM and banking fees. That is a whole lot of money wasted.

Thanks!

- Ricardo Bailey

January 26 2005
When I took the Latte Factor Challenge, I decided that impulse shopping was my weakness. Every time I'd go shopping, I would load my shopping cart with little "extras". Not realizing how much these little extras added up to be big extras, I started to add up the price of each item I really didn't need. Then I'd put them back on the shelves and AUTOMATICALLY drive to the bank, which was on the way home anyway, and deposit the exact amount that I was going to spend on the impulse items.

It has been five months since I've started this and I now have over $3,500 in my savings account which I will be moving into an IRA account for my business--tax advantages and interest bearing!

- Lena Mabra

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