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January 20 2005
I want to let you know that in 6 weeks time we have paid off all of our debt, adopted your file system, saved $13,766 (in 6 weeks!) and are well on our way to realizing the security we value. This is even more comforting considering that we found out last night that my wife Tina is pregnant with out first child. Can you say 529? Identifying our values and mapping them to our goals has really had an impact. The Latte factor was a huge lesson to us as well!


- Sean Meelia

January 20 2005
Dear David,

I'm reading The Automatic Millionaire right now, and I'm astonished! I'd heard about spending big money on the little things, but until you laid it out like this, I never realized how much money I've been wasting.

Take today for example:

I was running late to work, so had no time for breakfast at home (something that happens at least 3 times a week). I bought a bagel w/ creamcheese, coffee, and water bottle for the day. Total for breakfast: $5.65

For the same reason as above, I bought the lunch "special" at work, which included a drink. Total for lunch: $7.50

Now, I'm sitting here eating it, and imagining if I'd brown bagged it. I would have saved over $13 SO FAR TODAY!!! That's at least $10 that I could have put into a retirement plan. Waking up a few minutes earlier in the morning is definitely worth a million dollars down the road.

- Nancy 

January 20 2005
Dear Mr. Bach,

I'm currently reading The Automatic Millionaire and just completed the Latte Factor worksheet and thought it would be fun to share my results. First let me just say that I'm enjoying your book very much, thank you. My husband and I just had our first baby and I've decided to be a stay-at-home Mom,and I love it. This obviously has made our budget very tight with only one income. So, I've decided to get smart with our budget and investing.

In completing the Latte Factor worksheet I've learned that both my husband and myself have become very aware of our finances and don't have everyday expenses like coffee or food. I pack my husband's lunches and I eat at home. Our one big expense that we need to cut back is eating out together. My husband and I enjoy fine dining or just take out together and have been known to spend $150-200 in a week. That's not an every week event but on my huband's days off we love to not cook and take a day off ourselves. We are on a goal to lessen that spending and save that money instead. Don't get me wrong, we are still going to have our dates out on the town, but we are just going to lessen the take out and lunches together out.

I'm still in the process of reading, but so far I'm loving your book. Thank you so much for sharing your experiences.


- Renee Lozano

January 20 2005
Your book inspired me to take many steps toward becoming an Automatic Millionaire. In one week I have started paying 10% more on my 15 year mortgage, increased my 403(b) to 10% and consolidated my debt at 0% interest and it is all AUTOMATIC. I feel less stress and anxiety over my financial future.

- Rohanna Sykes

January 20 2005
Dear David,

I am a single woman in my early thirties. Two years ago, I purchased your book, Smart Women Finish Rich. I do have a six figure salary, but because of my spending habits, I hardly keep most of what I earn. Needless to say, a year ago I bought a fixer-upper close to the downtown Fort Lauderdale area, I then realized the financial responsibilities that come with owning a home. At first I regretted buying this fixer-upper, but as the prices of the homes in my area keep going up I am quite pleased, thanks in part to the advice in your new book. I have also stopped going to Starbucks and Gloria Jeans and just enjoy a cup of Vietnamese coffee I make from home that cost $3/can and lasts for about a month. I have also opened and IRA with TD Waterhouse and signed up with Paytrust so that I'll have a better handle on my bills. I am working on curbing my addiction to Ebay and Saks Fifth Avenue. I know in time I will conquer my spending habits. Thank you so much for writing such a simple yet easy to follow principles on getting rich.

- Kelly 

January 20 2005
Hello David,

I just finished reading the Automatic Millionaire and am mid-way throughyour book Smart Couples Finish Rich. My wife, Melanie, and I met while serving in Armenia as Peace Corps volunteers and were recently married in October 2004.

We both work for non-profit organizations, so we have to be careful with our money. That being said, we have a lot of friends who live near us in the District of Columbia metropolitan area and are often inundated with requests to go out for dinner, drinks, dancing, etc.

My latte factor has always been spending money on dinner and drinks with friends. A typical Friday night out in the DC area can cost anywhere from $60 to $100 per person after you factor in drinks, appetizers, the maincourse, dessert, etc.

I complained to my wife one day that I hadn't been able to save much in my regular checking, so we looked at my bank statements and realized that our occassional night out was costing me much more than it was costing her. She's always been a fabulous saver and has a large chunk of money that she's accumulated since college, despite never having a particularly high-paying job. Naturally, I asked for her consultation. We decided that I could cut down on my latte factor by:

1. Having our pre-dinner drinks at a bar during happy hour 2. Limiting the number of drinks per evening to three or four 3. Ordering a quality brew for the first round (or two), then switching to a less expensive domestic for the rest of the evening. I could also switch to water towards the very end of the evening (healthy, and cost effective)4. Should the group decide to have dessert after dinner, we could suggest going someplace less expensive (like a small coffee shop). This is actually cost-effective and can be easily disguised as an adventurous suggestion."Hey, why don't we check out that new coffee house near DuPont. I hear they make great cannoli!"
5. Avoid mixed drinks (they take less time to consume and typically cost more than beer)

We also started consolidating our social engagements so that we had to "go out" less often, but with more of our friends. We have also started taking advantage of free stuff in the city to save on entertainment(museums, art galleries, monuments, etc.)

Using this strategy, I have been able to save $20-$50 a month in my entertainment budget. Eating out is expensive, so I hardly ever buy lunch while at work. Most people get bored with "brown bagging," but my wife and I have found that sack lunch needn't be boring. In fact, it can turn into a fun and romantic activity for a married couple. We plan our menu for the week and make it a point to incorporate interesting dishes into our weekly bill of fare. Then, we shop for the ingredients and cook together on two or three of the weekday evenings. We've experimented with Thai, Moroccan,Armenian, Cajun and Indian dishes in our first year together. Yeah, the grocery bill is a little higher than it normally would be each week, but it is still much cheaper, overall, than buying lunch two or three times a week.If we each bought lunch three times a week, it would cost us an additional$48 per week).

By cutting down on what I spend on entertainment and lunch, I've been able to contribute the maximum amount to my Roth IRA and 14% of my income to my Thrift Savings Plan (I am now a government employee).

- Zachariah Brevis

January 20 2005
Hey David,
I've read both the "Finish Rich" and "The Automatic Millionaire". They've changed the way I look at money.
I have in the last year:
-Paid off my student loans of $10,500
-Began to make double paymentts on my husbands student loans to pay it off faster.
-Automatically increased my IRA contribution to the maximum amount
-Automatically began my husband his own IRA
-Opened a sharebuilder account that is automatically funded through my savings account
-Began to pay an extra 10% on my mortgage each month
-Saved $7,000 for a CD
Thanks so much for all your books...Keep writing!

- Angela Perrin

January 20 2005
Dear David,

My boyfriend and I go into Barnes and Noble a lot to sit and read. I happened to come across your book. I read it from front to back and still go back to re-read info. I also have told a lot of people about your book. I am still paying off a few bills, but your book is always in my mind every time I think I want to buy something I really don't need. I remind myself and my boyfriend about the Latte Factor quite often. Your book was not only a help to us but a lot of fun to read. Your audio tape was great also. I plan to listen to it a second time to keep focused. Thanks again for your help.

- Susan Sudhalter

January 20 2005
David, I just finished reading your book and I think it is fantastic! Luckily we do not use credit cards and we own a home, but now we are automatically set up to become millionaires. I am a real estate agent and I've decided that this is the best closing gift to give my clients. I know they will enjoy the book and will know that along with helping them become homeowners I've started them on their way to becoming millionaires too.

- Sabrina Simpson

January 20 2005
Thank you, THANK YOU...THANK YOU!! My husband and I just listened to your telecoaching call and you encouraged us to email you our success it is: On New Years Day, 2003, I watched you on the Today Show while you discussed your new book, The Finish Rich Workbook. I went to Amazon and ordered it and ordered Smart Couples Finish Rich as well.

My husband and I both flew thru the book and immediately started implementing your suggestions: We pay ourselves first!! Before we began reading your book my husband's 401(k) contribution was at 5%. During the book we upped it to 10% then 20%, and after the book really went for it with a 30% contribution. His account was fully funded by October!! My company is phenomenal and part of our benefits package is a SEP-IRA. As part of our year-end bonus, they told us they were going to fully fund it at the 25% rate, which they are continuing this year as well. We have 10 years to make up for, so we decided to fund Roth IRAs for both of us. We started a security savings of $400 per month and increased that to $500 as of Dec 03'. We did it automatically because I didn't want to have to trust ourselves to do it on a regular basis.

We began thinking latte factor every where we went...I was a Starbucks junkie and my husband was eating out on a very regular basis. We both cut back and I very rarely even buy a fact I discovered I like my own coffee better. We figured out what our mortgage would be if it were a 15 yr mortgage, and as of Aug 03 began paying that much extra every month. We also began reading our statements to ensure the funds are going toward additional principle. Shisters...we did catch a couple of instances. We've been trying to pay down our debt for years but like most would usually add more. Tonight while on the phone with you, how appropriate, we just made the final payment on our credit card. Finally no more credit card debt. We've also made a renewed vow to keep debt to auto and home loans only and to work very hard at paying those down.

Ronnie and I can't thank you enough. I once told him in 2002 that I wanted to start trying for a baby but I wanted a savings, a retirement account, and an investment account, and I want us to retire that too much to ask? I laughed. Well thanks to your Finish Rich series I can honestly say...No it's not. We are living and we will finish rich.

- Ronald and Vicki McKay

January 20 2005
I want to thank you for your inspiration. I bought and read 'The Automatic Millionaire' on my fiance's suggestion (she had seen you on Oprah) and it opened my eyes and kicked me in the butt! About half way through the 5th chapter (Automatic for a Rainy Day) I had an 'aha'. My fiance and I have a 'just in case' savings account, which we never really touch, and I'm earning 0.5% interest on it. I immediately got on the internet and opened a money market account, started it with $1,000, and set up an automatic transfer every two weeks from our savings account. I also encouraged her to finally start her 401(k) at work and we've set up an appointment with a financial advisor to make sure everything's in check. I make regular contributions to an IRA and am in the process of paying off my debt.

I'm 27 and although I am very driven to be successful and retire early, I didn't have a plan. Fortunately we were on the right track. She has her check direct deposited with a set amount automatically going to our savings, and I have online banking with an automatic weekly transfer to the same account. We own a house and with your inspiration and encouragement we can now take the next steps to becoming automatic millionaires! Thank you for making it all clear and simple, keep up the good work.

- Mike Perry

January 20 2005
My name is Kat, and I will be a senior at Mercy High School in Baltimore, MD. I will be taking Micro and Macro Economics courses in the coming fall. Our summer reading for the class was your book, THE AUTOMATIC MILLIONAIRE.

Out of the eight ridiculously boring books plus yours (as I don't count it as boring) I have to read before the start of term, I chose to read your book first because, even at seventeen, I have a love affair with money that would make my boyfriend jealous. I am aiming in the direction of international trade law in college, despite my less then saavy math skills.

I finished your book today, and it is, without a doubt, the worth-while read of my life. The most basic and necessary aspects of a consumer society are never taught in school. Most young people I know are intimidated by money because they are under the impression that it's too complicated.

Thus they get stuck in the cycle of, as you said, 'living paycheck to paycheck'. My parents have worked all their lives, but they are almost sixty and have just refinanced the house mortgage, extending their payments for another ten years. At the dinner table, I "educated" them about everything I was learning from your book, and my dad was so interested, he's next in line to read it.

This book really gave me a clear direction for my financial future. Hopefully, by starting early, I'll be another automatic millionaire you helped. I'll get back to you on that in a good couple of years. I want to be able to take care of my parents the way they cared for me, so that will be my incentive to be successful in your plan. So thank you for sharing your expertise with America; we desperately need honest and simple financial advice. I'm off to read SMART WOMEN FINISH RICH...after I read my eight other assignments, that is. However, I don't think those authors will be receiving any fanmail from me. I look forward to retiring a millionaire!

Thanks again,

- Kat Harrington

January 20 2005
Lets see, before I read David's book, I was just about to sign up for Debtor's Anonymous. Things were bad. There were days I didn't want to get out of the bed because I felt like I was working for everyone else but me! I'm 33 yrs old, I work at the same company for 16 years. I'm single. I own my own home (not paid off), a car(completely paid off) and a timeshare in Aruba (NOT paid off). My father passed away 16 years ago. I live with my mom who is permanently disabled, I take care of her. I have 3 other bellies to feed (1 kitty and 2 devoted doggies). 8 years ago I bought a house in Long Island. Even though buying the house was a great investment, its been a constant struggle with my bills. Since we are living on one salary, MINE, I charge whatever I don't have cash for. Sometimes even food. I would always charge vacations, I felt like I deserved to go away - needless to say, I would be further in debt. I can't begin to count the number of times I refinanced to pay off my debt only to fall back down. It never ended...

Until I walked into the book store one day a few months ago to pick up a book for a gift. David's book caught the corner of my eye. It was the last book on the shelf! So I bought it! After reading his book, for the first time in my life, I feel like I have control of my money and that was a very big thing with me, I would lose control constantly and shop out of depression. Don't get me wrong, I am still struggling but I've gained control and confidence. So far I've managed to increase my 401K at work, I opened up a money market account for a savings and a separate one to escrow for my taxes - why let the banks make money off of my money?? I've moved my credit card debt to 0% cards. I've set up automatic deductions for my mortgage and credit card payments and my car insurance. This way everything gets paid on time. Its impossible to save a dime, at least for me it was when I had to manually do it. When its automatic, its easy, I don't have to do a thing. I love it! David, you will never know how much you changed my life and helped me get my finances on track-Thank you! I only wish I started this in my 20's! While I'm not yet close to being out of debt, at least I now see a rainbow at the end of the day whereas before I only saw darkness. Thank you again! My future goals include owning a 2nd home before I turn 40, starting my own business which I'm currently working on and writing a book of my own one day!! Notice, I don't even mention marriage and children - that will come in time and when its right! In the meantime, I'm getting rich!! ; )

- Maria 

January 20 2005
My Name is Rachel. I'm 22yrs old and from Pacifica, CA. I just finished reading "Smart Couples Finish Rich" and my husband & I are so inspired. We've been following your book like it was the bible. Well it is; in fact, I call it my financial bible. Because it's a financial guide in life that we all need.

Since reading your book my husband started contributing to his 401K. And I'm opening an IRA next week. Also we transfered our "Cushion money" from a regular savings acct. that is only earning 0.10% into a money market acct. that is earning 2.10%.

I used to always wonder why the more money I make the less I save. And it dawned on me when you said in your book "It's not your income...., It's how you spend...." The more money I make, the more I spend. Now, I watch every penny I spend. I've cut back on eating out and I started bringing lunch. I also stopped drinking sodas, which is good for my finances AND my health. By doing that I realize that I can actually start saving 3% of my net salary for my dream basket.

I'm so greatful for your books, although I've only read one, I'm 100% sure that I'm going to read them all. Your book helped me in so many ways not only financially but also career-wise. Before reading your book, I already knew what I wanted I just had no clue on how to get there. Your book "Smart Couples Finish Rich" is truly a map on Finishing Rich.

You also inspired me to go back to school, I'm actually starting on Spring 2005 @ San francisco State Univ. I'm majoring in Business Admin. Concentration in Finance. I want to help my community, I want to help low-income families by educating them how save and open $1.00 porfolios and watch them became million dollar porfolios like Grandma Bach's.

Again, Thank you for sharing with us you knowledge and wisdom. You've given your readers so much- enough to last a life time! I hope that when I'm finished with school I can also give to others what you've shared w/ me. And let it be a cycle passed from generation to generation. And by this, maybe America will truly be the land of the RICH.

Respectfully yours,

- Rachel St. Onge

January 20 2005
After watching the Oprah show, I ran out and purchased your book, The Automatic Millionaire. After reading your book, I finally enrolled over the phone in my company's 401(k) plan. I've worked for the company for 5 years and had never even considered enrolling in the past. Although I started off saving only a small amount, I do plan to evaluate my savings in 6 months and increase my savings if I see I can. In addition, I've put away my one credit card and have not used it in one whole month! I've written down my financial goals and plan to stick with them this time around. Thank you so much for helping me to better understand what I was doing wrong and how to make a better financial future for myself and family.

- Kim Beasley

January 20 2005
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

January 20 2005
David, just picked up The Automatic Millionaire last night and finished it tonight. Thanks for the great information. It was refreshing to read your book as it did not give some of the get-rich-quick ideas I have seen in a lot of books. Some of the books I have picked up have encouraged people to leverage themselves in ways that I feel can be dangerous. In your book it is just great advice. I am lucky as I have been paying myself first for many years and just as you say in your book, it becomes easy if it is automatic. I have been saving the max that the law allows in the 401K plan we have where I work from day one.

I also use direct deposit and have a money market account set up for that. Basically what your book did for me was to assure me that what my wife and I have been doing for the past 23 years is correct. We just need to tweak a few things. I am interested in finding my Latte Factor! I did run the numbers on the Sleep Well Test and found that right now we can cover a little better then 48 months. For the past 14 years I have been using the Quicken program which I think has a great deal to do with our good fortune.

My wife and I are able to give more money to charity then I ever thought we could. The old saying to give till it hurts can make one feel so good! The part in your book in regards to paying off your home was refreshing. We have paid off our home, and two of our three rental properties. We have made additional principal payments each time we make a payment. In fact in two years we have saved $89,623 in interest. The bank might not like this but I do. This is the only debt we have.

Bottom line, your book is great. I plan to buy additional copies to give as gifts to young people. I am 51 years old and plan to retire in about 14 months and most of that is because of automated savings. Thanks,

- Ken Bic

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

- Tara Richards

January 20 2005
Dear David,

Two weeks ago, accidentally at home at the time the Oprah show is broadcast in India ( an impractical 2 p.m. ) I watched your advise on and was rather impressed. One can never imagine but the fact remains that the advice you give Americans there is as useful as you could give us Indians some 9000 kilometers and several economies away !

I once again thank you for the wonderful advice you gave. After seeing your show I actually looked up your website and read even more about you. I am planning to order your books through Amazon, and hoping they will deliver to a remote town in India!

Best wishes to you and on your new book ( your sixth one ).. I am sure it will do well

Warm regards
an ardent "fan" from India,

- Ms. Dipali Sikand

January 20 2005
After getting my first "real" job six years ago, I immediately maxed out my 401(k) contribution at the insistence of a coworker. It was very difficult for the first four months, but then I adjusted to living on a smaller take-home check. I don't miss the money one bit and have never been tempted to decrease my contribution.

Approximately four years ago, I paid off my last credit card (mostly tuition and textbook charges from college) and have not charged since. Being credit-card debt-free is very liberating; again, I'm not even slightly tempted to use the card unless it's for travel arrangements which I pay off when the bill comes due.

I also bought a home almost three years ago, commit to making one extra mortgage payment at least once a year, and invest in improvements to increase the resale value as I plan to upgrade to another home in about a year.
The heavy layoffs in 2002 (especially in Austin, where I live) scared me to the point of finally opening a money market account and funding it with three months worth of living expenses (in case I got laid off from my computer programming job). I had never imagined I could afford to save thousands of dollars on my own, but it became a priority.

A month ago, I purchased a new (used) vehicle after driving my other car for 11 years and 160K miles. I was constantly teased about driving an older car, but I didn't care. My family/friends/coworkers all had car notes, and I happily did not.

I basically read everything I can get my hands on that deal with finances--magazines, Internet articles, books (including The Automatic Millionaire, Smart Couples Finish Rich (I'm single), and Smart Women Finish Rich). I even have two friends and a casual acquaintance who've asked me to help them get a handle on their finances. One friend suggested I become a financial advisor.

I live pretty frugally (which I get teased about, also), and I limit myself to a $20/week cash allowance for things like lottery tickets, cheap fast-food, occasional Happy Hour drinks, and vanilla milkshakes (my "Latte"). When the $20 bucks is spent, I rarely return to the ATM for more cash. This has made a world of difference.

- Melissa 

January 20 2005

I had read one money managing book after another. I took a few ideas from each that slowly faded away from daily use.

Then, one magical day at a local bookstore, I ran across this book called Automatic Millionaire. Skeptical at first, I began understanding your views. I bought the book and read the entire thing in two days. Being a 20 year-"young" college student, reading in my free time is usually the least of my desires. However, your book flicked on my urge to being financially independent before it's too late.

I go to school and work full time and have rarely made time to lay out my finances. But since I dedicated a day to automatically allocating my finances towards a positive future, I have been utterly amazed at how easy and fun it is.

I listen to other students and co-workers complain about how their scraping the bottom of the barrel. I tell them to pick up your book and it will all become much clearer. I bought a few extra A.M. books and shared them with friends. Now a buddy of mine is doing better financially than me which only boosts my desire.

Thanks for making this book literate for college students and the middle class worker. It's easier than most think.

Future Millionaire-

- David Damron

January 20 2005
Hello, my name is Lisa LaPensee and I just wanted to write to David to let him know how much he has changed my life not just financially but emotionally. I am 32 years old and have my own home and just finished school were I obtained my degree as a nurse, which has been a life long goal for me. I am the type of person who believed before that why should I save for the future when I could die tomorrow. So I went though life spending everything I earned on things for the house, clothes, trips and partying with my friends. Then I bought your book and it soooooo opened up my eyes that, yes I could live till I am 90 and I have nothing to show for it, and if I did not mention I am single and my goal was always why save I will marry rich. Well I am finding out @ 32 that rich guys are losers and that I might have to be a rich women. So I opened up a savings account yesterday and have money deducted off my check every 2 weeks and I am down to 1 credit card ( hey a girls got to have one) and I am being more reasonable with my spending. I am getting help with this by working more at my 2 jobs, because I can't go to the mall if I am at work! Well I just wanted to let you know you are helping people, even a shopaholic like me. I know I just started and only saved 20 dollars so far but its a start for me. I have had allot of downfalls in my life my parents died when I was very young and I raised myself but the money me and my brother got we both wasted it away, it so a hard lesson to learn to save but I think at 32 I might just get now. But hey I will never give up hope to marry rich, just so will he! Thank You

- Lisa LaPensee

January 20 2005
Hi David:

Wanted to send a quick note thanking you for the Automatic Millionaire class. My wife was apprehensive about me spending the enrollment fee. Once we completed the course, she told me it was the best money I ever spent. I have to agree with her. We followed your recommendation and bi-weekly automated our mortgage and car payment. We started 401k's for each of us and one for our daughter and a savings plan for our minor son. These too are automatic. But I have to say, of all the things we learned and did, the one thing that truly stands out is the fact that you convinced my wife to up her 401k contributions from single digit contributions to a whopping 29%. That's right...29%. Sure the money will be missed, but so will all the crud we would have needlessly spent the money on.

Thanks again David. I look forward to the opportunity of taking another class.

- Clark & Kristi Lamoreux

January 20 2005
I have now read 3 of your books. I have learned so much. I have added to my mutual funds, started a simple IRA,got disability insurance , and am getting more life insurance because of your book. I have been teaching my step children how easy it is to save a hundred dollars a month. I have started a retirement account for my 8 year old daughter and started a 529 account for her college. I am a hairstylist and have told my clients about your book.I am 42 years old ,and I feel like I will actually be able to retire comfotably in 20 years. Thank so much for writing these books.

- Karen MacKenzie

January 20 2005
When I got my 1st job after college four years ago, I wanted to know more about how to manage my money from the get-go. Amongst the hundreds of personal finance books, yours stood out: "Smart Women Finish Rich". "Sounds perfect!" I thought. "This is the right book for me!" When my (now) husband and I moved in together, we read "Smart Couples Finish Rich" together to learn how to manage finances as a unit. We implemented everything: the filing system, the goal and value setting, 5-year plan, I didn't have a coffee or latte for 3 years, etc. Here's a quick summary of our savings (we started with just about nothing after college):

401(k)s: $60,232
IRAs: $38,046
Mutual Funds and Cash (non-retirement): $45,037
Stocks: $6,871
Approx Total: $149,918

We have no debt, have had no financial help from parents (other than my living at home for 2 years in order to speed up goal-reaching), and owned no real estate during this time.

We just made an offer on our first house in Oregon, which we will use as either a rental or a vacation home.

Your words have made a tremendous difference in our growing sense of financial security and our confidence in our abilities to follow-through.
We are thrilled with the choices this savings affords us.

- Natalie and Josh 

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