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August 24 2010
David~
I cannot express my gratitude for what your books, "Start Late, Finish Rich" and "Smart Women Finish Rich" have done for me. Not only have they changed my finiancial life, but my physical life as well. I saw how much I was spending on my "latte factor"...FOOD. I could not believe it, then I realized that whether it be grocery shopping or an 'ocassional' snack, it was atrocious, and so was my waste line! So I brought into my life one major thing that stuck out from "Start Late": is this purchase really necessary...then I integrated that to my diet...is this bite, or snack necessary? I cannot tell you how amazing your words and knowledge are! I have saved over $6000 in 6 months and I have lost 21 pounds. You are a life saver, in more ways than one!!! Thank you for everything!!!
~Nicole, Ca
- Nicole Deme
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August 24 2010
I read your book in 2 days. Day 3 changed my 401k to 15% and started working on the business plan for Sarah Express. One year later www.sarahexpress.com located in Columbus Ohio. Sucess is near...
- Sarah Barrett
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August 24 2010
I'm Emilee, and i'm currently 18. I caught sight of The Automatic Millionaire in the book store. I am one hundred percent happy with my purchase. As a young adult, getting ahold of this book has been a godsend for me. I've learned everything from paying myself first to giving to charity. I would just like to thank you David for all of your help. I am on the look out for other books of yours.
Thanks you!
Signed Automatic Millionaire.. in the making!
- Emilee Farmer
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July 13 2010
OK here goes.
I am a mother of 2 and they always want something, whether a $2 toy or a $4 piece of clothing. Last week I added it up and I also checked their closet. I found out that I was spending so much on unnecessary extra clothes and toys that instead of wasting it, every time they ask me for a toy or an unnecessary piece of clothes I put the money in an envelope and save it for when they will need (not just want) something or when they will have a birthday and the bigger spending will be necessary. I have no saving account so my envelope is my saving and I am already up to almost $50 and that is in less then 10days so imagine how much I will have in a month or two. Maybe we will be able to buy the bunk beds they need (finally). But in any case, thank you for helping me take a better look at the small expenses which add up to big ones - too big.
- Karen Moses
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July 13 2010
14 years ago, I was a single mother with 3 children. Everyday before I drop my kids off at daycare and school I used to go to starbucks and get my latte and pastry, spending $5.00 daily. One day my oldest son, who was 8 years at the time, asked me how much I spend for my coffee and I said $5.00 then he waited a minute and said "Do you know you spend $25 a week and $100 every month not including Saturdays and Sundays?" I was soooooo shocked for the amount and how he thought about that. That day was my last day of my daily late habit.
- Jamila Yusuf
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July 13 2010
I have been spending about $20.00 a week on fast food just because of the lack of planning for dinner each evening. With my change of habit I can save $1102.40 a year. I am going to make my own fast food and with money we save I will pay off 2 of my credit cards and maybe a third if I cut back on my grocery spending and use more coupons. Thanks for the tips they could not have come at a better time. I just recently became unemployed so I will take all the help I can get.
- terri siemer
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June 28 2010
I started drinking Starbucks coffee about 10 years ago but stopped when I first heard about the Latte Factor because I figured I was spending about $1400.00 yearly. I thought I was doing well trimming the fat from my budget but I still had a hard time getting my debt to go down. Today I had another Oprah AHHH HAAA moment!
At the place I work, we have a cafeteria with a meal plan. I started using it about 2 years ago when I started working there because I only have 30 minutes for lunch and I thought it would be healthier and less expensive that fast food. Boy was I WRONG! The cafeteria doesn't accept cash but swipes your employee ID card and the charges are taken out of your post-tax paycheck. At first I was spending about $5-$6 a day but through the last 2 years, prices have increased and now that total is between $7-$12 a day or about $3060.00 per year! Holy smokes!!!! I could have paid off 3 credit card balances with that money! I looked back at my year-end pay stub from 2009 and discovered that I paid $3750.00 in cafeteria charges in 2009 alone! Now I am packing my own lunches and making coffee in the morning before I leave and saving myself over $5000.00 a year! Whoo hooo!
- Connie Cone
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June 28 2010
Dear David,
I read Smart Women Finish Rich and among the many progressive changes I have made, the most important has been dealing with my aging mother.
To make a long story short, she now has an updated will, no credit cards or debt, and, most importantly, a trustee to handle her pension and bills. Everything is paid ON TIME and she no longer gets behind on her bills (and I no longer receive panicky phone calls.) Thank you, THANK YOU.
All the best!
M
- M W
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June 14 2010
Dear David, I saw that your next book is about being debt-free, so I thought I`d share my story:
I'm Australian, 33 years old, and have been living in Japan for 7 years. My husband is 40 years old.
When I arrived in Japan I was broke, but I`d paid off all my credit card debt. A year later I was living with my husband-to-be, and I realized that if I stayed in Japan permanently I'd need to plan well for the future. So I started reading finance books starting with "Smart Women Finish Rich".
My biggest concern was retirement savings: Australia and Japan have very different systems so I wanted a flexible way to save my own money (in case my circumstances changed). I started a policy with Zurich International Life, and I contribute $10,000 per year. I consider 50% retirement savings, and 50% "Dream Account" savings for a second home. About 30% of the policy cannot be withdrawn, so my retirement money is protected.
I'm very proud of my husband: he saved over $200,000 in 10 years, and we were able to buy a beautiful 4BR Apartment WITHOUT a mortgage! My father-in-law lent us the extra money we needed, and we've since paid him back. We also sold our car, and rarely use our credit cards. Because we're debt-free, I only work part-time but I can afford to take regular holidays; fund my Zurich policy; and also buy Australian shares.
My husband pays all our bills, and has
found success trading on the Japanese stock market.
Last year I read "The Automatic Millionaire" and I gleefully deleted all my budgets! You're right - if you pay-yourself-first and are achieving your savings goals, you don`t need to track daily expenses. We always fund our investment and savings accounts FIRST, then spend what's left.
We're both very frugal by nature, and I don't think either of us ever dreamed of being millionaires but now we can see a really strong financial future ahead of us.
I can never thank you enough for being such a positive influence in my life - thank you a million times over!
Sincerely,
Kelly Matsuura
- Kelly Matsuura
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June 14 2010
I PURCHASED YOUR BOOKS SMART COUPLES FINISH RICH AND SMART WOMAN FINISH RICH AND NOW JUST FINISHED READING START LAST, FINISH RICH. AFTER READING YOUR BOOKS I STARTED BUYING CORPORATE BONDS TO THE TUNE OF $226,800 AND NOW I SAVE 50 PERCENT OF MY RETIREMENT INCOME PLUS $11,300 OF BOND INTERERST TO THE AMOUNT OF $30,000 PER YEAR. I DID NOT FEEL RICH UNTIL I STARTED READING YOUR BOOK START LATE, FINISH RICH. I AM 75 YEARS OLD AND AM THINKING OF FOLLOWING YOUR ADVISE ON BUYING HUD HOUSES FOR INVESTMENT IN REAL ESTATE SOON. I ALSO AM PUTTING AN EXTRA $1000.00 EVERY SIX MONTHS EXTRA BESIDES PAYING MY MORTGAGE PAYMENTS. I PAID MY 2003 CADILLAC DEVILLE IN TWO YEARS INSTEAD OF IN SIX YEARS AND I PAY MY CARD BILLS OFF EVERY MONTH AND PURCHASED A NEW HOUSE IN 2005. I FOUND OUT TO SAVE MONEY IS NOT TO HAVE A CAR PAYMENT IN THE LAST SIX YEARS. I USE ABOUT 3 GALLONS OF GAS EVERY WEEK FOR SHOPPING, RESTAURANTS AND DOCTOR APPOINTMENTS WHICH ARE CLOSE BY MY HOUSE. I AM READING YOUR LAST BOOK START LATE AND FINISH RICH A SECOND TIME.
- JOSEPH DIGIACOMO
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June 10 2010
Thanks for your books...they are a big help and I certainly recoup the money I spend on them via the advice and encouragement they offer. Actually, I regain much more than the cover price!
- Chris Smith
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June 10 2010
WOW! I am a teacher and buy lunch everyday b/c I am running late. In 20 yrs, I can retire. If I took leftovers instead of buying lunch I could save $99,626.42 in 20 years. Unbelievable! Thanks for the help. Sometimes seeing it in real numbers makes such a difference.
- Nicole Wilkinson
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June 10 2010
Surprisingly enough my "Latte Factor" turned out to be items purchased for home improvement projects. I am a die hard DIYer and took great pride in professing that I did not spend money on clothing or starbucks or even spas. Especially to my girlfiends who went shopping secretly and hid their bounty in the trunk of their cars until their husbands left the house and they could bring them in the house undetected! But as it turns out my fix came in cruising the aisles of my local home improvement stores.
Planning projects to improve and beautify my home was exciting and I loved hearing the accolades of visitors as they praised my latest project. The trouble was that I was continually buying items for new projects when I'd not even finished prior ones. Similar to going to the grocery store without checking the pantry first, I was purchasing duplicate items because it had been so long since I'd thought of the project initially that I'd forgotten what I had accumulated so far. And every single packed to the gills storage space I had was proof of that!
After analyzing my spending using the Latte Factor spreadsheet and coming to grips with the ugly truth I made a promise not to purchase items for new projects until I'd completed ones I'd already purchased the materials for. What I found was that the high I got from buying the materials for the new projects was NOTHING compared to the sense of accomplishment I recieved when one by one my old projects were completed. Not to mention that since I already had what I needed on hand, I actually had time to really make a dent instead of spening time on driving to the store and getting distracted by other things.
That was almost a year ago and David, I am here to tell you that after completing quite a few projects and throwing away or donating unused items I finally have storage space again and most importantly about $200 a month back in my pocket that I've been using to pay off credit card debt.
Thanks for making me take a look at ALL spending because I would have continued to be in denial since I wasn\'t wasting money of what I considered to be the traditional "wasteful" things !
- Saundra Anderson
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June 10 2010
David,
I listened to your "Fight For Your Money" on tape and learned so many things. Here is my story about Fighting for my Money.
I signed up with McAfee to get anti virus software for my computer. This was set up to renew automatically at a cost of $40/yr. on my credit card. I planned to contact McAfee before the renewal date of July and cancel this automatically hitting my credit card when I received an email telling me they had already billed my card.
I contacted McAfee and told them I wanted them to cancel this service. The person I spoke with was very nice and had no problem issuing credit but wanted to know why I was cancelling. I explained that I did not like anyone automatically charging my credit card. I also said I didn't understand why they did this now instead of waiting until July. He said that they always renew 30 days before the actual renewal date.
To my surprise he said that not only could he stop the automatic renewal but would offer me to same antivirus protection for half the cost! I was amazed. One simple call saved me half the cost and stopped the auto renew.
This proves how taking a few minutes can save you money.
I am so excited that I can't wait for my next opportunity to fight for my money!
- Debra Baxley
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June 10 2010
After reading about the Latte Factor, I was so surprised when I calculated my spending of 15.00 to 25.00 every Sunday after church for lunch & 5.00 to 15.00 on lunch at fast food at least twice a week. I definately changed my ways and started eating at home to save between 900.00-1,800.00 per year.
Thank you David for opening my eyes!
Stacy Wilke
- Stacy Wilke
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June 10 2010
Dear Mr. Bach:
If it were not for your book, Start Late, Finish Rich, I probably would not be a homeowner. I was already quite adept at managing money before I picked up your book. I learned thrift and voluntary simplicity back in my 20s. When I became disabled, these skills were an enormous help in getting by on my limited income.
Nevertheless, I assumed owning a home was out of my grasp. Your book said that a person can’t get rich while renting. That started me thinking. Then a condominium went up for sale across the hall from me in the same complex where I had been renting for several years. I did the math and realized I could own for little more than I was renting. These are not luxury condos; they started out as military housing. I bought one for $70,000. The real estate agent was amazed that a single, disabled mom, could buy her own home.
That was 2 ½ years ago. I have already paid so much extra on the mortgage that my 30-year mortgage is now down to 19 years. I don’t own a palace, but I do own my own home, a goal I had once given up on.
Thank you for writing your book.
- Nancy Foley
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May 18 2010
Wow! What a difference I have made to adjust to my latte factor. I was spending close to $5 a day in coffee and now I purchase the flavored syrup I love and make my coffee at home. I have also given up my $2 a day flavored water and have started to make my own. I cut a half a cucumber and add it to a pitcher of water. The pitcher lasts 3 days wich is almost $12 a week in savings. I have also learned about coupons. I saved over a $100 using them grocery shopping in one day and taking advantage of promotions to transfer perscriptions. Who knew how quickly the pennies added up. AMAZING!!!!
- Marni Schelb
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May 18 2010
Hello Dave,
I am 52 years young. About a year ago I purchased your Audio CD, Start Smart Finish Rich. All I can say is it was a real eye opener for me.
Being an aspiring entrepreneur I was already familar with the direct sales industry, I have dabbled around in a few opportunities in times past. But being that I was in my 50's now, and still having not "arrived" financially where I had hoped to be by the age of 50, I'd become somewhat discouraged, that is until after listening to your aforementioned audio.
It gave me hope that it was not, and never is too late to "arrive" financially where you want to be.
I had never heard of nor read any of your books before. After that CD I now have two, three of your books.
Your books should be REQUIRED reading in our grade and high schools as well as higher learning for adults.
I really had thought there was no way I could catch up, and be on a solid financial footing, I have not yet arrived, but now I have some guidacne of what to do and how to do it.
I was just this morning talking with some brothers at church who are my age, we were all taking a look at where we are in our finances. I will be encouraging them to purchase your books.
Thanks for all the great information.
Willie Robertson
- willie robertson
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May 18 2010
Hi david!
Since reading your book \'Smart Women Finish Rich\' I have started to control my spending to an extent I never thought I could achieve. I have a lot of debts and always struggled to make ends meet, often running out of money two weeks after payday! My latte factor was beauty products and magazines,which I realised after taking your calculator were costing me around £150 a month! Since reading your books Ihave turned this around,stopped the unnecessary spending and now make overpayments on my debts using your DOLP method. I predict my debt free date to be November 2011! Amazing! I have a budget now which I always follow and even have money left at the end of each month! Something that never happened before. Also I have opened a personal pension plan to look after me when I am an old lady, have a car fund and xmas fund to help me save for these large costs and have opened an ISA with an excellent rate (which I plan to fill with mortgage deposit savings!) Because I am British I have to convert some of the things you suggest into an alterntive over here, but you are very easy to follow and motivate me no end! Thanks so much for helping me take control of my finances.
Louise Wilkins
- Louise Wilkins
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May 18 2010
Dear David,
I am from Guangdong, China.
I read your bood Smart Couples Finish Rich (Chinese Version).I am so much inspired. In fact, I never had a clear idea of managing my money before reading your book. My wife and I are teachers. We have steady income. However, we both have the feeling that we always don't have enough money to spend. (Or we've been spending too much?) Our bank accounts always end up with 0. We want to have a change. Now we are beginning to save some money. About 10% of our monthly income. We'll put it to the Fund Market once a month. Thanks so much for your advice from the book.
- Yangpei Lee
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May 18 2010
Years ago I came across Davids Website. I saved it in my favourites, however I never made the time to check it out, two years went by, Unemployed, bankrupt, late on rent and living on Social Assistance, [welfare] flat broke. I finally decided to go through the site. I ended up reading 4 of his books, it woke me up, and I have renewed optomism to rebuild my financial and personal life. I've followed his advice, from paying myself first, to going to open houses, restarting RSP's, latte' factoring, etc.
I am determined to succeed, and on the way to financial success.
Thanks to David Bach and his team.
Don Frazer
- don FRAZER
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May 18 2010
David,
I first found \"Automatic Millionaire\" on my parents\' bookshelf and read it cover-to-cover when I was 22. Three years later, I have:
1. Paid off my credit card debt from college
2. Paid off my card
3. Accumulated $5,000 in savings
4. Increased my 401(k) contribution to 15%!
At my age, retirement just seems so far off. But you\'ve taught me it\'s never too early to start saving!
Thank you!
Katie
- Katie Blyth
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May 18 2010
Hello David. It was August 13, 2007 that I stumbled on your article on Yahoo Finance about the DOPL method of paying off credit card debt. Before that, I began tracking our CC debt in August of 2005, when we owed $34k, by the time I started the DOPL method, we were up to $46k, with numerous cards and seemingly no way out, so I thought I\'d give the DOPL method a go. Today, May 5, 2010, we are down to 2 cards and about $17.5k remaining. One of those cards will be paid off in the next couple of months, and the other within the next 2 years, maybe sooner. Finally, I can see the light at the end of the tunnel. Not only that, we are actually living within our means have some savings now (no small feat these days). Thanks for the rational and systematic approach.
You have made a real difference in our lives.
Phil Lee
Soquel, CA.
- Phil Lee
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January 22 2010
I have been reading your books since I was 22. I'm now 26 and married. We just got married in July 2009. Financial hardships have come our way in the past year and a half along with the rest of the country. My husband and I traveled to see his parents 4 hours away over Christmas.
I like to read when we're in the car, but he would rather me talk to him. I decided to read Automatic Millionaire to him :) We began to think the worst of this recession was behind us and we could start making the right decisions.
We opened a rainy day savings account, we both have a Roth IRA, I have my 401K, and we have a long term savings account for the farm we want to buy eventually. We truly have made the 1st steps to making our dreams come true! All it took was for him to hear your book! Now we are on the same page financially and we couldn't be happier. I just received "Start Over Finish Rich" in the mail today and I am reading right now.
Thank you for being our coach! It's very easy to fight about money and that's one thing we never wanted to do. I feel with your plan in action we will not have to fight about money, because we will be financially secure. Thank you again from the bottom of our hearts.
- Keri Kelly, White Sulphur Springs, WV
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January 22 2010
First of all, I would like to thank my Dad (he's with me in my picture) who was the main person in my life who inspired me to take care of my financial future, and he's also the one who gave me 'Smart Women Finish Rich' for Christmas this year (2009). Second I'd like to thank David Bach for writing this book. I am now fully confident in my financial future.
I am 21 years old in the US Air Force (as I write this I am deployed in Iraq). My father sent me David Bach's book and I just finished reading it. Due to the economical downturn I was worried I'd have to do my 20 years in the military simply because I wouldn't be able to afford a civilian lifestyle without it. Now, after reading this book, I will have paid over $2100 on my credit card (and there by paying it off) in a 3 month timeframe, be paying extra on the principle on my car (and end up paying it off 2 years early); and be able to get out of the military, have established my own business, and built my own house in less than 10 years.
Not only did this book inspire me about my financial future, it jump started my personal drive. Somewhere deep down I was procrastinating because "I'm young, and have all the time in the world." Now, I am starting two college classes in March (to finish working towards my bachelors in Business Admin/Small Business Management), getting my dog training certification (that's what I want to do for a business), increasing my retirement contribution to 12% of my salary, and starting the plans and processes for designing and building my own house (which I believe I can get built and completed by 2012).
I have the 'can-do' attitude again and am more inspired than ever to become a strong, independent women who accomplished her dreams (and become a civilian again) before she's 30. Thank you so much for this book Mr. Bach...any chance on a book for the military people? (We have different financial opportunities as well as complications...I know many people who could use the advice). Thanks Again! And thanks to all of you who support the troops! It means more than you could ever imagine!
- Kristina Eilts, Elmendorf AFB, AK
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