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February 19 2009
Dear David,

It all started with my desire to become a millionaire so one day, I went to Borders to look for a book. I found the Automatic Millionaire and followed each and single step I found there. I started by availing of my company's 401k and tranferring my savings to a money market account. It was so addicting that I also got your other series and even recommended them to my colleagues. Then on my birthday last year, a friend gave me the real estate version of the automatic millionaire and I am now a homeowner! All these happened becasue of you and I can't thank you and Jesus enough!

- Maria Aurora Villamater

February 19 2009
My success story is in its first few chapters, but I credit it all to The Automatic Millionaire. My wife and I are both 26 and have been married for 2 1/2 years. We had bought our first home with the help of her parents, but decided that we want to be able to upgrade and start a family together. After reading The Automatic Millionaire, i took away valuable advice and put it to work. We both have recently earned salary increases, but decided to live as if those increases never occurred. With that, we have been able to save, on average, $2,000 per month, plus socknig away our end of year bonuses and tax returns. In the last 1 1/2, we have saved almost $40,000!!! I would have never been able to do this without learning the simplicity of The Automatic Millionaire process. This may not be the most inspiring success story yet, but I guarantee it will evolve into one in the near future. I just wanted to share my story and thank you for the priceless advice. I even passed the book along to my 22 year old brother, who already has saved $15,000 since graduating in May 2008!!! Thanks again!!!

- Steve Scandura

February 19 2009
David, Putting your \"latte factor\" theory to the test, I have managed to save thousands of dollars by getting my coffee free at work and also commuting to work by bus for the past (7) years. I contribute 15% (maximum allowed)to my 401k and set up automatic transfer of $200 every two weeks from checking to savings. Then, as soon as I reach $5,00.00 in savings, I put $1,000.00 into 12 month CD, using ladder method so I have varying maturity dates. I have saved $68,000.00 which is parked in laddered CDs. I use one credit card and pay it off every month. I have no car payment and have lowered my car insurance by driving less than 5,000 miles per year. I own a condominium with a mortgage payment of $360, so I am able to make several extra payments each year. All of this accomplished on a yearly salary of $40,000.00!
Please consider me for Latte Factor Mug.

Suzi
Mission Viejo, CA

- suzi handjaja

August 4 2008
I don't have a big success story yet, but I have started. I've been listening to Start Late, Finish Rich on audio -- borrowed it from the library. Today I talked to our mortgage company about a biweekly mortgage. I also canceled $21month of cell phone services we weren't even using, and have started the process of canceling $38/month worth of cable we can live without. That's over half of the extra monthly cost of the biweekly mortgage, right there.

Now to brave the credit card companies.

Thanks.

- Dana Carpender

August 4 2008
Hi David,

Although I am just reading your book now. I have been reading and studying your methods for the past 2 years and I just wanted to say that you book sums up many things that I have learned beautifully. It really is just a mind shift that will change your financial future.

It was only just a year and a half ago (18 months) when I was making a decent salary but had no RRSP or savings, in fact I was falling deeper in dept every month. With just a simple shift in my mindset I have been able to change my job, start 3 new businesses on the side (not quitting my job) and start my RRSP contributions. I am now happy to let the readers know that I have increased my income by just under 60% making just a simple change in my mind. I have also contributed in the last 18 months more then $14k to my RRSP plan.

I am sure that your techniques are going to double those numbers in the next 12 months.

I hope that your readers take your information seriously and apply the information to their life and maybe more importantly teach it to their children.

I love the quote by Jean-Luc Picard - "Things are only impossible until they're not.”

Cheers,
Chris

- Chris O\'Neill

August 4 2008
Dear David,
Thank you for your book, The Automatic Millionaire. As a student and young single adult who is still trying to complete my degree at the University of Utah, money is tight. from reading your book I have found that there are many unnecessary "lattes" in my own life. I was quickly able to recognize the small amounts of money being spent here and there. My latte was shopping! I know, very typical for a female right. So instead of working just to spend all my money, I decided to put a portion of my money in a savings account each month. I was committed, so every pay check I put aside the amount I decided was fair to live without. After I graduated I found that I paid most of my tuition off, leaving me with little amounts of debt, which I am almost done paying off. I also decided to make myself a clothing budget. this way I could spend a small amount without feeling completely deprived. Every month i took out, in cash, the amount that I was allowed to spend. this left me with a win, win situation. I was allowed to spend a little and save a lot. After the cash was gone, I knew that was it for the month! I wasn't even tempted to spend anymore. thank you again for you simple easy knowledge that makes our lives better.

Sincerely Laura Lee

- Laura Lee

August 4 2008
Dear David:

I just finished listening to your audiobook "Start late and finish rich". An excellent, straight forward and inspiring book! I am a doctor-in-training, age 32 years, with one more year of fellowship left. I am "starting late" relatively, as I've been in school most of my life, with very little savings to my name. I feel very hopeful and full of ideas on what I will do with my new income as I start my first job. Thank you so much for writing such an excellent book. All the best to you and your family :)

ania

- Ania Kujawska

August 4 2008
This past weekend I began reading "Start Late, Finish Rich". My husband and I are in our mid-fifties so we are definitely 'starting late'. Although I had heard the idea of calling the credit card companies to lower the interest rates, we were like everyone else - Really? sure, me dealing with a big corporation? Well, yesterday I decided to try it for myself. Here is what I emailed my husband after talking with the first credit card company.
Guess what!

I called the credit card company about lowering our interest rate.(This card has been at the outrageous rate of 24.98% since forever.)

The first personI spoke with immediately said she could lower it to 13.9% from 24.98. I thought to myself wow, that is awesome but courageously went on.

I asked if I could talk with someone about lowering to below 10%

Matt – the next guy asked what I was paying elsewhere and I told him another card was at 9.75%. Without a pause, he said he could go one better to 8.96% starting August 19th. Amazing! In just five minutes time the interest rate went down 16%! I was excited and armed with that courage I called another card company. I had an Aerogold Visa which collected the Aeroplan Miles – had an annual fee of $120 and an interest rate of 19.5%

In one short call this was switched to a Visa Select card which has an annual fee of $29 , no aeroplan miles and an interest rate of 11.5%
Originally I had planned on only calling the first credit card company that day. But having experienced so much success, I forged on to the last card. This card's interest rate was at 18.50% The first person I talked with tried to find a lower rate 2 times with various departments – but apparently nothing was available at that time.I questioned why another card company was able to give something immediately but here I would have to wait for some promotional letters or calls from the company. Again she put me on hold and I ws put through to another supervisor. – James.

He was able to lower the rate to 12.99% starting Sept 2/08

This is exciting – all these will save so much in interest! Following those calls I put together an aggressive repayment plan with the help of a debt repayment calculator. We are looking forward to being credit card debt free in a little over a year PLUS saving literally thousands in interest!

Thank you! Now we are looking at the Latte Factor - somewhat hesitantly on my part - what will I have to give up? Seriously, I am excited to Finish Rich - even starting this late. Where was this teaching when we were in school?
Bev Rempel
Canada

- Bev Rempel

July 16 2008
Dear David:

I got a call from one of your counselors. I have since automated my life insurance and my Ameritrade Account, and I also increased it,and it is on "AUTOMATIc". I ordered my Benefit Estimate Statement and also my Credit Score. I am on my way to the FINISH LINE. I paid off one half of a bill,purchased my file folders,sent two books to my son and one to his girlfriend,and one to my sister- her daughter is devouring it. I first saw you on Oprah. I let the word AUTOMATIC THROW me, and I delayed taking action. I appreciate the way Grandma Bach guided you. I have tried to read other financial publications,and it was like reading Greek. Thank you for putting it in language we can understand and using the examples. It hits home and a lot of lightbulbs go off. THANK YOU THANK YOU.I am starting LATE, but I have every confidence that I will FINISH RICH.

- Hattie Tai

July 9 2008
Dear Mr. Bach,
I first began reading your book, The Automatic Millionaire, before my final year in university. I didn't get far in as I was reading it casually (it was a gift to my brother from my mom for his 24th birthday), but I did get as far as the basic concepts of the first few chapters: put money aside, start as young as possible. I started with just 20 dollars a week, which was what I could afford while I was paying my tuition.
I have been out of school for a year now, finished reading the book and since then had decided to meet with a friend who has recently been licensed as a financial consultant. We discussed my goals, namely retiring when I'm 65 and owning my own house when I'm 50, and more specifically what I've been doing to reach these goals.
She was blown away about the knowledge I had about my future and impressed that I was smart enough to take the initiative while still young. I'm 24 now and most of my friends are living paycheck to paycheck, my money is going towards my future.
I'd like to thank you for giving me the initial knowledge it took to make me consider my future, and I look forward to my timely retirement in 41 short years.
-Mike Yaskovitch-

- Mike Yaskovitch

July 3 2008
After reading Smart Women Finish Rich I pretty much jump started my financial future being a single 35 year old woman. I had a alot to do and this book gave me the knowledge and security to get started. I now understand more about the stock market and how to retire the "right" way. I tell every woman- single and married to read this book and start your financial future rather than waiting for a man to do it or not doing it at all. IT'S A MUST READ and I will be giving it to all my neices for their 18th birthdays!!

- robanne olson

June 30 2008
Mr.Bach
Hello, my name is Ta'les. I will be a high school junior in the fall and I'm taking AP Economics. The Automatic Millionaire was required as summer reading. I thought it was going to be boring, but I was far from right. I've always been the person who saves money. Unlike most people,I'm very disciplined. I can put 100 dollars away and not touch it, until its needed. After reading this book,this has made me want to save even more. I'm glad that I came across it at such a young age,(I'm 15), because now I have more time to become an automatic millionaire and possibly an automatic billionaire! In two months when I turn 16 I am going to get my first job and I plan on folowing all the steps and more to finish rich. With this information gained so early I hope to finish rich quicker. I just want to say thank you for sharing your knowledge with the world. You are an inspiration!
-Ta'les

- Ta'Les Love

June 26 2008
David,

While reading the second chapter of the Start late, Finish Rich book, I was a bit worried as I thought I did not have any latte's. However, as I began to think hard, I realized that not only did I have a latte but I most likely had a double latte with two pumps of dummy in it! The thing is I felt these latte's were necessities because I had been doing them for so long. My list included an omelet breakfast 3 times a week at $10.00, manicure/pedicure once a week at $50.00, waxing every 6 weeks at $125 and dry cleaning once a month at $125.00 and that is just half of my latte list! I can definitely get a mani/pedi every other week, eat breakfast at home, dry clean every 6 weeks, and get a wax machine that will only cost me $20.00. Since I am an aesthetician I will just invite my friends who get waxed and charge them while I am at it!

Thank you so much for all the advice!


Sincerely,

Melitza Perez

- Melitza Perez

June 25 2008
My name is Ana Calderon and I am a 20 year old mom to be. I know I am very young, but I have always worried about money issues. I come from a very low income family. I have struggled to get myself through Jr college and recently graduated with my associates degree. At my young age I have many responsabilities. I have to pay bills, which include store credit cards, visa credit card, house bills, and all the bills you can probably think of. I have been married for awhile now, and I am now expecting a child, which is soon to be born. I thought everything was so easy until now that I have to face the real world. I can get real stressed out making ends meet. I recently read your book 'Smart Women Finish Rich', and let me congratulate you for the enormous confidence you have given me. I can honestly tell you that it has change my life in many ways. I now see that I was never really in a really bad situation. I was only managing my money all the wrong ways. Your words have encourage me to continue with my education and achieve for more. It might be hard since I am a mother, but it is not impossible. I sincerely thank you for the hope that just maybe by the age of 30 I will be doing better than I imagine.

- Ana Calderon

June 18 2008
David I would have to say at 24 you have taught me alot! My dad bought me my first Finish Rich Book 3 Easters ago and ever since I have bought two work books and three of the Millinare books. I feel to day I'm a success from your books. I have financed my home in to a 15 year fixed 5% mortgage elimanated wasting my money on lattes and have been saving in a 401k, savings and several bonds. I'm looking forward to buying more homes and maybe doing some exchanges. I wanted to tell you thank you and I will continue to learn from you.

Stephen Piazza II
Fairview, OR

- Stephen Piazza II

June 18 2008
David,
your books are great! Most of the concepts aren't new to me, having read Kiyosaki, Tracy, etc. Thanks most of all for publishing Start Late, Finish Rich, as this is closest to the situation I've put myself in.

Anyway, here's the success story part: Less than 2 years ago I was struggling to keep from falling further behind in rent (I've never owned real estate yet), was regularly late on loan payments, and worked ridiculous hours at a job that was failing to live up to its promise. As soon as I quit this job (which was 1099'd as for income) I was amazed at how much I was spending just to work 80+ hours per week so I couldn't even squeek by. Before long I got 2 jobs & started tracking (and therefore controlling) my spending. I didn't "budget" per se, just got in the habit of looking what I was spending my income on & asking "why do I need this?" I was able to move into my own apartment, and started taking steps to return to a career that I actually enjoy. Since I've been out of it for so long and the job market is way down now, it's still tough. However, I've controlled my Latte Factor so well that I'm able to survive on a net income of only $1250 per month. This includes transportation and food. I'm actually able to pay $150 per month on my (negotiated down to) 4% credit card and $92 per month on my student loan from the last century. The card balance is down to ~$6k and the student loan to maybe $12k.

At this point, I've realized that if I find work that GROSSES $40k per year I would actually be able to INCREASE my standard of living as well as have saved as much as $20000 in ONE YEAR, which would be a down payment on real estate.

I'd like to close with a question: I'm 44, never owned real estate, no kids, no wife, have a stale Bachelors' Degree, and my FICO is only 596. I may have put myself in an unusually bad situation for a man my age, but what would you suggest as a next move? What should I be doing differently than I'm doing now?

Many thanks & keep cranking out the good info!
Mark Stachyra,
Mesa, Arizona.

- Mark Stachyra

June 5 2008
My name is Bryce and my story is not to long seeing as how I just read my first Finish Rich book a year or two ago during my last years of high school. You see I am 19 years old and was handed my first book to do a book report on. At first i thought "why me?", but as I read I thought I'll put this to the test. I took about 3 to 4 months of my year and tried the "Latte Factor." I tried another way of saving money and I found the "latte factor" really worked. Just recently I was able to go out buy my self a new car, take a cruise and still come back and have enough money to not worry about anything. I wanted to thank all of you at Finish Rich for introducing me to the "Latte Factor" and other techniques. I will continue sharing this with everyone I meet.
Thank You all again
Bryce.

- Bryce Meznarich

June 5 2008
DEAR MR.BACH,
I WANTED TO LET YOU KNOW THAT ONE NIGHT I WENT TO KINKOS COPIES AND BROWSED AROUND,WHEN I SUDDENLY JUST SAW YOUR BOOK..IT WAS AN EYE CATCHER,I THINK IT WAS THE COVER THAT BROUGHT MY ATTENTION..START LATE FINISH RICH..I HAVE BEEN READING IT AND TRYING TO UNDERSTAND YOUR CONCEPTS OF THE FINANCIAL WORLD AND HOW I CAN MANAGE TO BE SUCCESSFUL..I HAD BEEN OUT OF WORK BECAUSE OF MY DISABILITY AND MY MOTHER PASSING AWAY BECAUSE OF BREAST CANCER. MY PARENTS WERE VERY SUCCESSFUL IN THE PAST, THEY WERE VERY YOUNG AND MONEY WAS FLOWING QUICKLY, AND EASILY..WE CAN SAY THEY ENJOYED IT BEFORE THEY REACHED RETIREMENT...THEY LOST THE HOUSE WHEN I WAS 12YRS OLD..SINCE THEN ALL THEY DID WAS RENT FOR THE REST OF THEIR LIFE..NOW IM 36 AND THE CALCULATIONS OF RENT WHICH ADDS UP TO REMARKABLE NUMBERS IS OUTRAGEOUS..BUT I FOUND YOUR BOOK AND I WANT TO MAKE MY LIFE BETTER AND HAVE MONEY FOR RETIREMENT SO I DONT HAVE TO SUFFER AT THE END..MY MOM DIED AND SHE NEVER WAS ABLE TO LIVE THE DREAM SHE WANTED, WHICH WAS TO LIVE IN HER OWN HOUSE...NOW, AS I VIEWED SOME OF YOUR CHAPTERS IT REALLY CAUGHT MY ATTENTION THAT I COULD BE A HOMEOWNER AS A FIRST TIME BUYER WITH EASY FINANCE,AND OTHER SPECIAL PROGRAMS..YOUR BOOK GAVE ME POSITIVE ATTITUDE, SOMETHING TO LOOK FORWARD TO AND SUCCEED IN BUYING MY FIRST HOUSE WHICH I WOULD DEDICATE TO MY MOM...FURTHERMORE,I HAD ROLLED OVER MY 401K TO AND BOTH IRA WITH ING PARTNERS...THANKS TO YOU,I AM SLOWLY LEARNING.I HAVE A BROTHER WHO IS A BROKER BUT HAS NO TIME FOR HIS SISTER BECUASE HE THINKS SHE WON'T UNDERSTAND THE MEANING OF THIS NEW LANGUAGE OF FIANCIAL SECURITIES AND HOW THEY WORK...I CAN SAY NOW I HAVE YOU MR.BACH...

- CHRISTINE MARTINEZ

April 24 2008
David,

I read the Automatic Millionaire years ago and still apply its principals today. I paid off my car note three years ago but have kept my car which is now 10 years old. I read the stories posted here often to come up with ideas to move forward with savings and debt payments. I managed to eliminate most of my credit card debt by paying a set portion weekly automatically. Now I am saving for a Lexus. I intend to buy the car CASH so I continue to fund my ING every week automatically. I try to save a car payment each month.

Your Pay Yourself Principal is the most amazing concept. If we all do this one step what we can achieve is astounding. Thanks again for all I have learned.

- Loretta Arthur

April 24 2008
David, in August 2005 I moved with no family or friends from Rome (Italy) to Los Angeles. My first year was tough. I shortly ruined my credit, I was missing payments on several credit cards and I was living paycheck by paycheck. I always been a planner and a dreamer, but I completely lacked any education or role model on personal finance. In Italy my family, once millionaire, arrived at the edge of bankruptcy and I was probably going to face the same destiny if my friend Amy did not lend me your book in October 2006. It was truly God-sent. Everything started when I asked Amy to go out for a latte, she refused with a smile and explained me your theory! In a few minutes I was on board. I sounded so simple! Your books (I read them all) save my life and are still helping me to achieve my dreams. When David and I got engaged we had no idea on how we could possibly afford to pay for our wedding. Eight months after reading the Automatic Millionaire we set a plan and wrote down a specific date for our marriage: June 10, 2007. We worked as a team, automated our life, packed lunches, rent movies from a public library, got rid of a car and saved enough to get married in Rome. We married among my family and friends in a church that has a very profound meaning to me. The party was celebrated in a gorgeous villa in ancient Trastevere. We did our honeymoon in Positano – one of the world’s most romantic places. Nobody could believe that with our modest salaries we could pay for our wedding and honeymoon with no financial help from our families. We used all monetary gifts that our generous friends gave us to buy furniture for our empty apartment. (Because of the conversion Euro/Dollar our gifts almost duplicates in one day with a simple automatic transaction!) That was only the beginning. When we came back to L.A. we decided to save 12% of our salaries in the company 401K plan, we kept the same lifestyle and automatically saved a large amount every month in high-interest saving account. At 28 I was a manager but a dropped off. I always dreamed to complete my education. Without quitting my job, I enrolled at an online completion degree offered at Boston University. I will be graduating in 2010. With this year’s salary increase we are paying the school tuition fees by ourselves without taking a loan. Our next dream is buying a house in North California. We are now expecting our first child and know we will need to readjust our dreams accordingly. We are not scared though as we know that together we can do it! I have no words to tell you how grateful I am you have entered our life. I talked about you to my family and my coworkers: now strangely they are all packing their lunches! Thank you David, you must have a good heart. “Each tree is recognized by its own fruit.”
May God keep blessing you abundantly!


Ella Heath - California

- Ella Heath

April 24 2008
I read your book \"Smart Women Finish Rich\" on a flight from Virginia to Wichita, KS --- I\'m 53 years of age and wish that I had a grandmother like yours. I refuse to believe that it\'s too late for me. I got online and studied money market accounts and took the first step and started mine. I looked over my bank statements the last 3 months and the waste is pathetic. I use my ATM debit/credit card for all purchases. Nothing but waste. I love your book and will read it over and over and apply your principles. I cannot thank you enough for publishing this book and getting me on a positive track...

- Jeanie Carter

March 28 2008
David, I am so grateful to you for writing this book \"Smart Women Finish Rich.\" It was a prophecy that I received that push me searching for this \"treasure Map\" that you have being inspired to write. I have just finish reading the book and have put in place several advice given. I have just came into a family inheritance and is my constant prayers for divine direction and how to use this money wisely that led be to be determined not to make any mistake with this opportunity. I am 57 years and it is reading this book I realized that I have not establish anything for my retirement which should already in place long ago. Thank God I was guided to this \"Road Map\"in time for it is still not too late for me I just have to double up. I have since purchase your Automatic Millionaire and Smart Couple finish Rich. I am about to open an outreach center in my community for battered and abusive women and young women and these books are going to be \"Treasure gifts\" use in counseling. Again you are treasurer that is not selfish but determined to be a modern day Saviour for many. Keep up the good work, I am going to use your books in my classes so the book sales in Jamaica is definitely going to skyrocket. Thanks, I will be in touch.
Olga
Kingston Jamaica

- Olga Cummings

March 18 2008
I picked up the automatic millionaire at the bookstore and spent the next 2 hours reading it in their chair. I finished it and then bought it and brought it home. The next day I went out and bought all the rest of your books and spent the last 2 months reading them.
I was profoundly affected. I, a coffee drinker my whole life and that would be a 3 starbucks a day person, completely gave up coffee. My family was in shock but that\'s where I began. We are in a weird situation, I came to find out by reading your book.We had plenty of money for retirement we just had no concept 0f what we did with our money.First I began to read statements and know where we stood. I realized we were saving so much, 20% for retirement, and were always broke and near the point where we would almost have to sell our home. The 20% is not negotiable as my husband is a government employee and has that taken out whether he likes it or not. But we are always cash broke. When we retire we will be doing excellent, so your book affected the \"now\" how we are responsible with all the little Latte factors that were so out of control. In the last 2 months I have put my family on a budget, in 20 years we have never been on a budget or known what we spend. I know all our assets, accounts, interest rates. Just another example we had 50k in a noninterest earning account for 20 years. I moved it to a money market. I shaved off 1000 dollars a month in wasteful spending and we are going to be able to keep our home. We make well over 200k a year and were going in the negative 1000 dollars a month. This last week I got to put 600.00 dollars into our savings account. My husband was shocked. Your book has changed my life. This year my income has been about 1/3 of it\'s usual. I have my own Real Estate business. I am so grateful for your frankness and simplicity. I am certain that if my income had been much higher like previous years I would have squandered it and felt broke and had NO idea where our money was or what it was doing. Now that you have given me the tools I am confident that when the good times are back I will be prudent and live well below my means. Every singe day each member of my family has to write in the log what they spent for the day. That has transformed our spending. I am committed to doing that for the rest of my life. I think you are such a blessing because you encourage and give step by step ways to manage your life. Just today I called to see if we had the best rate on our term life insurance. I used the chapter from smart couples finish rich and called one of the numbers you recommended. It was awesome, easy. I am not exagerating when I say my husband and I 2 months ago had NO IDEA where our money was. One more example: I reviewed our checking account statement for the first time in 20 years and realized we had 200 dollars of overdraft charges on there. We had the money in savings to transfer to our checking but we never thought about it because we knew we had overdraft so we didn\'t worry about it. Imagine, one year of 200 dollars per month. I wonder how many thousands of dollars we spent on that without realizing. You can be certain there will be no more charges like that. You have saved my family thousands and thousands of dollars in the future. You have made me realize that God calls us to be good stewarts of what he gives us. I was being so lazy and irresponsible. I hated accounting and math. I now know it doesn\'t matter if you like it, it must be done. I can never thank you enough. I hope God continues to rain down blessing upon you.
Kimbery Newton

- Kimberly Newton

March 18 2008
Hello I live in Guayaquil Ecuador, and I really learned to save money and to think about my future. I started taking care of my latte factor and I closed my credit cards. Now I have a fund that takes 20 percent from my salary and I\'m so happy because I\'m out of debt. In my country they don\'t have the 401(k) or the way of paying mortgages twice a month so I\'m a little concerned, but at least I know how to save and not to spend on meaningless things. Thank you.. regards
Reina

- Reina Cedeño

February 26 2008
I have done it! I have just made the last payment on my line of credit! After 2 years I was able to pay off $20,000 in accumulated debt (credit card, home renovations, tuition, etc.). During that time I also paid myself first and made it automatic through monthly RRSP contributions. I have successfully driven my family crazy with David Bachism’s but now they have seen that your tips really do work. I am 28 years old and own two condo’s in the Vancouver area. This is a very fast growing real-estate market, and my investments have grown very quickly! I am a part-time university student who works full time and I have been able to avoid getting any student loans. I took advantage of low interest balance transfers and managed to consolidate my debts into one manageable account. Every pay increase and bonus I received (through work, tax refunds, etc.) went directly to paying down this debt and now I have a date with my investment banker to increase my RRSP to include the raise I just received. I am also saving for a six month European vacation as a graduation present to myself, and I know I will be able to have the trip of a lifetime without going into debt for it. With the tools that I have learned, I know that although I felt like I Started Late, I will Finish Rich and enjoy my life in the process.

Thank you for the words of advice and encouragement,

Allison Roersma
Vancouver, BC

- Allison Roersma

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