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February 14 2007
David,
Four years ago, I migrated from the Philippines to Canada..and starting a new life in a foreign country was really tough. Working double jobs, going to school at the same time - that's how I managed to establish myself on my first year. But I think I got pretty lucky to have read your book "Smart Women Finish Rich."
On that same year that I was working really hard, I started to pay myself first for $137.00 a month (Automatic bank withdrawal), and little did I know of, I have $5,000 in my account, three years later.
With the portion of that money, I was able to invite my parents to come over and visit Canada. We have celebrated Christmas together and right now, we are cherishing our happy moments together. Without that extra money, I wouldn't be able to pay for their plane fares/tickets - $2,800.
That money may seem to be so small amount but it has a significant effect in my life and my parents. I am so happy whenever I see them enjoy the beauty of "snow" (sounds funny but we never had snow back home. My parents are 62 and 60 years of age, and it's their first time to see the snow.
Thank you David for sharing your knowledge and experience to all people, no matter who they are or where they come from...
More power to you.
- Ana Daquiz
Etobicoke, Ontario Canada
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February 8 2007
Hi David
My Name is Mel Witharana; I am 28 years old when I participated to one of your seminar in Salt Lake City UT(summer of 2006). I received a free copy of your book.
Your book has changed the way; I look at the life, finances. I was more like living paycheck to pay check, even though company I was working offer 401K I did not participate for that, well my excuse was I am in collage, after collage I told my self this is not the job I really want to be doing in the future.
After I red your book, I figure out places I can be saving money. I went and talk to Human resources department, add 20% + company match 8% to my 401K, I regret the fact I did not did that 7 years ago.
Since last summer, I own 2 houses. I am living in one and rent other one. Currently I am working on buying another house.
When I was going through the your book (part about the credit card) I call my credit card company and I follow word to word what you say on the book IT WAS AMAZING, I had 16% INT on my card and I have them low the rate to 6% for me it’s like winning a lottery. That time I realize David know what he is talking about.
Your book has changed not only my life but also people around me. Two of my close collage friends, after talking to him about months; finally I convince them to buy their first home. Now I am working on convince them to setting up a 401k plan.
I just want to say Thank you, please let me know when you are coming back in town I would love to come and hear you.
Again thank you Very much
Mel
- mel Witharana
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February 7 2007
I just saved $35 a month on our cell phone bill! I had previously been too lazy to do anything about our $153/month bill even though this new family plan was costing us $30 more than our old separate plans. There were features we were paying for that I wasn't even aware of, plus over 900 minutes a month that we weren't even using. I can't believe it took reading your book to get me to do this. Thanks!
- Patricia Mulanax
Harrison, AR
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February 5 2007
David,
I read your book almost a year ago b/c I had no clue where to start working on my finances. I was a recent college grad with so much debt, I couldn't breathe! My credit score was below 500, and I owed EVERYONE!
Luckily, I had a good paying job right after school and I picked up your book shortly after realizing I was making/spending a massive amount of money! I learned everything I know about taking care of my finances by reading your book, and as of today, I have $8,000 in an IRA, $3,500 in an Emmigrant Direct acct., $2,000 in a CD, $2,400 in regular savings, $1,500 in a Health savings acct. through my job, and $1,200 in checking, I paid my car balance, and not to mention I have a zero balance on everything except my student loans! Also, within 7 months, my credit score went up almost 100 points and just last week (after reading "Automatic Millionaire Homeowner") I was approved for a $125,000 mortgage! I am just turned 24, and I am role model for my friends(I bought "Automatic Millionaire" for all of them). Thank you so much for sharing so much important information with all of us! Thank you for your inspiration! Please don't stop writing great books!
- Tasha T.
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February 1 2007
David,
Just finished "Start Late, Finish Rich" and my wife and I are so inspired by your advice and how simply we can make these positive changes. Just in the last week, we upped our 401 K to 10%, we are adding 10% extra each month to our mortgage payments, we have opened up 2 mutual funds that are automatic withdrawls and we are committed to putting money aside each month for an emergency fund. We have picked one day a month to eat out and are going to try these changes for a year and track each red cent. My wifes' company already puts aside 15% of her pay into an IRA so we are off to a good start. By actually looking at all our expenses, we saw that we were really frivolous and stupid with our money. It just feels good to have a plan and take those first steps. If we cannot pay cash, we will wait until we can. This is pretty exciting! Thanks for the inspiration.
- George Samms
Aurora, CO
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January 29 2007
David,
Thanks is all I can say, (and not enough). My story: I am proudly serving in our USN active duty. I was approaching 30 and 6 yrs into my career with no retirement path, living paycheck to paycheck. I read "Automatic Millionaire", and 5 years later I had accumulated a house which doubled in value, making me 90K, and approximately 50K in cash and retirement investment vehicles. I did all of this by simply putting the ideals of your book into practice. I made everything automatic, virtually never see a bill. I pay extra on my house principal (2 extra payments a year), and will own it outright in about 6 more years, a total of 12 versus the 30 on a standard mortgage. At 43, I will have between a quarter-million to 300K, a pension, and will own my house with no mortgage. I will be financially comfortable with all the time in the world to enjoy life, and research other buisiness and investment opportunities. I plan on attending your seminar in LA March 10-11 coming soon. Look forward to meeting you, and thanks again!
Sincerely,
- Marc Boucher
San Diego, CA
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January 29 2007
While reading "Smart Women Finish Rich" I became a big fan of David Bach and his simple, easy to follow advice. I own a mortgage company and a real estate company in Southern California. So many of my customers over extend themselves and make planning for emergencies and their future very low priorities. I thought you'd like to know that as a New Year's gift to my clients, I gave each of them a copy of "The Automatic Millionaire." The best gift I can give them is information which will help them build a secure future.
Thanks,
- Valerie Van de Zilver
Tustin, CA
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January 29 2007
I've only been reading the book for 2 days. The first think I did was to actually read my credit card statement and found a dial-up internet service, video service and credit service that I never used and was costing me $50.98 per month. I called and cancelled the video and internet accounts. When I called to cancel the credit service, they offered me the same service for $5 verses $13. I also found that I was paying for caller id (that doesn't work) and call waiting on my home phone and never used either of them, cutting my phone bill in half. I realize that I've got a long way to go but I wanted to share my joy and amazement with the amount of money I saved in just two days. You'll hear from me again.
- DaVelle Gilbert
Port Hueneme, CA
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January 26 2007
David-
First and foremost, I would like to thank you for changing my whole outlook on life. Since the moment I first perused Smart Women Finish Rich, I knew I would never deal with money in the same way ever again.
As a college student, learning to balance my spending has been a challenge, to say the least. I had managed to spend over $5,000 in the first semester on absolutely nothing significant. My check card seemed like never-ending gift card, that is, until I looked at my dwindling account.
I was chatting with my best friend about my spending issues, and she handed me her copy of Smart Women. I opened to the Latte Factor chapter, as I knew my unnecessary spending was the main culprit, and I could not put the book down. I managed to finish the entire book in a matter of hours, and re-read it the next day. The rest is history from there.
I felt so incredibly inspired, that I immediately gathered $550 worth of clothing I had not yet worn and returned it all. I took the money, along with some other savings, and opened up a Roth IRA. I cut up my check card and have resorted to using cash, as it is much harder to spend twenty-five $20 bills. It feels so great to already have a handle on my financial issues!
I started a Dream Basket, in addition to my IRA. Investing is much more exciting and rewarding than a shopping spree! With some of the money, I have purchased several copies of Smart Women to give to my dearest friends. I want them to be financially savvy and smart too! We are in the process of starting a student organization at our university to help other women understand their finances and educate them on your principles!
I am so grateful that you have taught me these principles at this point in my life. I look forward to achieving my goals and maintaining my values, as I have so much ahead of me. You provided invaluable information on never settling and earning what I deserve, along with advantageous advice on controlling my spending and enhancing my savings. I am so glad that I have a “Smart Woman” mind-set before entering into my career and ever facing any debt! I feel so prepared to make the most of my earnings in the future!
With gratitude,
Smart Woman Convert for LIFE!
- Kelsey Duda
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January 22 2007
I just recently purchased The automatic millionaire and am blown away at how much I blow away Daily! I have been able to find a minimum of $1,200.00 of expendible cash (improperly used cash) and this is before I determined my Latte factor. Suddenly I have great hope that if I use my glossy bald head right I just might finish rich much sooner than I ever imagined. I immediately contacted Fidelity and am in the process setting up my savings plan. The dream of owning my own business actually seems possible. Thanks for sharing the knowledge.
- David Howard
Bristol, VA
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January 22 2007
Mr. Bach, I wanted to let you know that you have changed my financial life. A boss of mine loaned me your “Automatic Millionaire” in October 2005. I was $14,000 in credit card debt, $11,000 in car loan debt, and saving only 10% towards my 401k. Soon thereafter, I bought several of your books, and made a deal with myself that I reread every book of yours until I finish paying off my credit card debt and my car loan. I was very happy when you came out with your “Automatic Millionaire Homeowner” book so that I would have a new book to add to the mix.
As of December 2006, I have one last payment to my credit card (my Xmas gift to myself), and then I begin making double, and hopefully triple, payments towards my car loan. I hope to pay off the car loan by December 2007. I am currently putting 18% of my salary towards my 401k, and I will increase this to 25% in January 2007. My ultimate goal is to max out my 401k with 33% of my salary over the next several years. I also reevaluated the holdings in my Roth IRA in early 2006, and this year it had the best performance since I opened it 10 years ago. Thank you
- Geoffrey Mohlman
Gainesville, FL
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January 22 2007
After taking the Latte Challenge, I was shocked to discover that I ate out everyday and spent an average $10.92 per day. It works out to $39,858 for 10 years. I was shocked and figured it was HIGH time I bagged it most of the time. As a reformed shopper, I thought I knew better. I contribute 12% to my 401K and I save $904 per month but I still have a lot to learn. Thanks David!
- Caroline Kemper
Alexandria, VA
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January 22 2007
My name is Sridhar and I live in London, UK. It was late August in 2006 when I turned 31 and was remorseful of the fact that I was growing old and not owning enough real assets. Somehow I was thinking hard on the asset bit that I guess the law of attraction led me to your website to download your audio program on the Automatic Millionaire. I was so engrossed that I must have listened to it a dozen times. At the same time, I also reading the print version to complement my learning, and started discussing your techniques with my wife and parents. My dad (who is an investment consultant) joined the act, and over the next couple of weeks, the discussions (dawn till dusk) were centred around the automatic millionaire. We read, re-read and compared notes and came to a conclusion that what you were suggesting were in fact the best investment techniques and extremely easy to implement.
Fast forward, Jan 2007: My wife and I are proud first-time home owners of a small apartment (Condo; American speak!) in London and we are thrilled to bits to satisfy your Rule #1: Buy a Home! But trust us - there is no stopping... we have recently purchased copies of Smart Couples Finish Rich and Smart Women Finish Rich, and I am glad to say that we have become David Bach aficionados.
We have also decided to spread your message in the UK, and we are encouraging colleagues and friends to purchase a copy of your books and I think nothing gives us more pleasure than people thanking us for our recommendation.
My guess is finish rich series will occupy prime space in our book shelves for ever. Thank You!
Regards
Sridhar & Preeti Krishnamoorthy
- Krishnamoorthy
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January 22 2007
I had always heard about making biweekly mortgage payments with the mortgage company, but was always disillusioned by the cost of setting up the program. Then I read about it in Mr. Bachs book, and seeing how much it could save I decided to finally do it. And to my surprise, when I went online with my mortgage lender, Wells Fargo, I found out that the program was free! There is a great sense of accomplishment when you take the initiative to do something for yourself and for your future. I just wanted to let everyone know that Wells Fargo Banks offers this biweekly payment program FOR FREE! Thanks for your great advice.
Sincerely,
- Cindy Morrow
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January 19 2007
Dear David (& Team),
You should get the Nobel Peace Prize. I just read Smart Women Finish Rich and Start Late Finish Rich within a month-period. I ended both books with sobbing at the feeling of emancipation and empowerment. And, then I immediately created a 40-page quick-reference manual for Smart Women Finish Rich, including the worksheets and have since been forwarding them to family, friends and co-workers. And, their passing it on to other people, too. They’re telling me they’re changing benefits contingencies with their HR department, eliminating Latte Factors and starting processes for Living Trust already ….and its only been 3 weeks! You are changing the world and what people think is impossible!
You take the information and make it bite-sized. This is a mark of a great teacher. But more importantly, you infuse so much encouragement, connection and belief (in your message, your readers & goodwill towards life) that the energy is contagious and permanent. Only a real financial Elvis can do that.
Until now, I had virtually no money education. In fact it remained last on my mind even though I mirrored these lyrics to a song, “I never had a day where money didn’t get in my way.” 22 years ago, I managed to get a full scholarship to USC. It was more than college, it was an urgent ticket out of difficult circumstances. I achieved it while through my senior year I was occasionally without a home. Yet I stayed in school, did the homework no matter what or where; worked 2 jobs and took a leap of faith that I should just do my best, and the Lord would do the rest. My EVK dorm room was the first place of security and safety I’d known in years. But, I have to share, the feeling of accomplishment of reading your two books was even more powerful than getting that scholarship despite adversity. It took what seemed like a long time now, 22 years, to get my consciousness right; and first work on eliminating all the life factors that kept me in damage-control or limiting mode. But, it was right on time that your books came into my reality. For me, the last frontier to tackle from my past was my inner blueprint about money. Those who know me, especially old college friends, know how symbolic it is for me to study personal finance and investing.
I thank you for the precious wealth consciousness and education (compound interest! compound interest!) I thank you also on behalf of every person that will now experience a fuller, more purposeful part of me. David, you have completed my great life and the financial knowledge is a springboard to more abundance. Thanks for everything! Now my new expression is “My biological stock is ticking!” Wait and see, this is just the beginning.
Your friend,
- Jenniferlynn Lomboy
Los Angeles, CA
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January 17 2007
Hi David,
I live in Medicine Hat, Alberta, Canada.
I am 24 years old and recently read smart couples finsh rich with my wife. It has changed the way both of us look at our finances. Shortly after I read Automatic Millionaire and Automatic Millionaire Homeowner-I increased my RRSP contibution to 14%. I bought a home 2 years ago and since then the value has increased by about 50%. I was going to sell my house and build a new one but after reading your books we refinanced our house and bought a condo for rental property and are in the process of buying another one. As well we have been on track to pay our mortgage off in 12 years. We would just like to say thanks for changing the way we look at our money and making our money work for us. Hopefully we never have to work a day past 50!!
- Carson Guenther
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January 17 2007
Hi David:
My success was that I came to the USA for 1 month only and I found your book "smart women finish reach" really accidentally. This book was so good that I can't decribe it, I'm so happy to have read it!! I ll take it to my country, Poland, and force all my girlfriends and my sister to read it!! Thank you so much for all your advices!! Never has any book helped me so much !!
- Anna Burgiel
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January 16 2007
Hi there David,
My name in Amanda Wilkinson, I just wanted to say that...WOW!!!, your book "the Automatic Millionaire" inspired me to save and to start investing in realestate and paying myself first. I am a nineteen year old, and i LOVE reading books that can modivate and get me excited about saving up and planning for my future. Ive read a lot of books about becoming rich, such as "think and grow rich", "the millionaire mind", and Donald trumps "why we want you to be rich". But nothing has hit it home until i read your book the automatic millionaire... that book is the best book for me to read, i understood every single word of it, and not to mention i have set up an RSP account and i am putting 150$ into it every month when i get payed. Your book has inpired and encouraged me to do just that and i have also been reading on how to set up my own cleaning buisness. The one story about the McIntryes was the most powerful and most motivating for me and it gave me hope that i can do just that, and what better time to start then at my age. I Thank-you SO MUCH for writing such a powerful, to the point easy book to read. I am looking forward to reading all of your books... the next "smart Women Finish Rich".
Thanks again, and keep up the GREAT work from one of your readers,
- Amanda Wilkinson
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January 9 2007
David:
Thank you for your books, I have read Smart Woman Finish Rich and now the Automatic Millionaire Homeowner and enjoyed both. Here's a couple of my successes in the latte factor:
1) have your utility company come in a do an audit. Some small changes that they recommend can really add up to savings and they do it for free.
2) we made a list of all our soap, health and beauty and toilet products that we use (toothpaste, toilet paper, shampoo, washing machine detergent, etc.) and we go once a month to major "Mart" store to get it all. We never run out, it's cheaper than in grocery stores and it saves time and aggravation.
3) shop for car insurance. You may think you're getting the best deal but without periodically shopping around you might not be. This can save you hundreds and have no impact on having to give up something.
Thank you for your advice. You've got my brain power working.
- Jo Luppino
Panama City, FL
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January 9 2007
Hi David,
Last Christmas I was in Puerto Vallarta celebrating my parents 50th anniversary and I brought your book to read on the beach. By the time I got through it I had declared 2006 to be "the year of real estate!" I had been talking about getting a rental property for years but needed a push. Well, on Dec. 1st we took possession of a great 2nd house in a town up the coast and it is currently rented and managed by a property manager. I also increased my husbands and my own automatic retirement savings from 12% to 18% taken directly off our paycheques and put into an RSP. We got our life insurance reviewed and changed and our disability reviewed. I ended up not changing my coverage as what I had I discoverd was as good as I could get.
We also switched our financial advisors. Our old one was very upset and unprofessional in the way he handled it. It was a really hard thing to do.
Your book empowered us to take charge of our financial life. I look forward to learning more and taking more active steps to improve our life.
Thanks very much for your book.
- Carolyn Bentley
Vancouver, Canada
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January 9 2007
I operate my own Educational & Motivational Speaking Practice in Mississauga. Since business is slower than I like, I also teach part-time.
Needing the teaching job to help pay for my bills and afraid to ask for more money, I sacrificed other things in my life. In other words, I often went without. After reading "Start Late, Finish Rich", I approached my boss and asked for a raise. Guess what? I got it. Thank you for given me the push I needed to become a clue creator and to be able to provide a little more for my family. PS: I am the guy in the middle with the white shirt.
- Mike Pickles
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January 4 2007
I have always dreamed of owning a home, but as a renter I never thought it would become a reality so soon.
In Septemeber I was in the library searching for an apartment to rent on the internet, when I came across your book "How to become an automatic Millionaire in real estate"...yes I thought, I would love to own a home in a few years. I started to read your book and I finished it within a few hours...You inspired me so much, I had no idea that home ownership could be so attainable. Then hearing the stories of every day people like myself, on small incomes and credit issues that became home owners I decided that I was not going to rent anymore. I called my bank that evening and couldn't believe that we were approved for a mortgage on my husbands small income of $30k. This was a shock as we were finding it difficult to even get people to rent to us on this income. With the guidance of your book I shopped around for different mortgages and was able to understand the mortgage jargon that banks use. I want to especially thank you for explaining the mortgage jargon as the banks assume you know what an APR and ARM is, even when you say you are a first time homebuyer. We than started saving for the downpayment. We cut back on premium cable, going out to dinner and I stopped clothes shopping!! We even moved in with my husbands parents to save and as hard as it seems sometime to live with relatives the joy of knowing that we will become home owners in a few months is worth the sacrifice. I have now just been searching for our first home knowing that we can own a home and I have you to thank for this. Similarly to yourself I would like to help other people become homeowners and I have been working on a presentation that I would like to give to renters on small incomes like myself to show them too just how easy it can be to become a home owner. I am looking forward to starting 2007 just knowing that by the time 2008 comes round I will be sending you another email from our first home.
- Sabrina Ramirez
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December 28 2006
Hello David,
First off, I would like to thank you for bringing your truly inspiring and powerful books to all of us readers. Your book, "The Automatic Millionaire", is one that I will never forget. It will undoubtedly change my life when I am older.
Being that I am still in junior high, I never expected that I would read - let alone enjoy - a book about financial advisory. But, being as worrisome as she is, my mother assigned me to read your book - The Automatic Millionaire. She had read it herself and said that I would enjoy reading it. Now, I was an avid and fervent reader, but I would never have thought I would be anywhere near remotely interested in a book about money. But, following my mother's advice, I cracked open the book when she handed it to me. The very first page had me hooked and, regardless of what I expected, I enjoyed the book from beginning to end.
In the simple manner that you presented your book, I quickly learned how to become an 'automatic millionaire'. My mother had already adapted your techniques, and I was well on my way to implement them too, when I become of age. Your book inspired me to take advantage of saving early and to act upon fiscal matters now, so I may have an easier financial life later. I have a student savings account to build upon for now (No little piggy bank for me!).
I look forward to living the American dream when I am older!
- Joseph Nawrocki
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December 28 2006
I'm reading The Automatic Millionaire for the second time, and doing the workbook as well. I took one suggestion - about car insurance - and ran with it. I received quotes from one of the sites that David recommends - and found that I could cut my car insurance by over $500! Then I called my insurance agent (with my quotes in my hand!), said that I'd LOVE to stay with them, but had quotes that would cost me less than what I was currently paying. My agent did some number crunching and lowered my rate by more than $500 a year!!! YIPPEE! Now to work on my cable bill and my Latte factors (magazines and going out for lunch!).
David - Thank you SO MUCH for making these ideas understandable! And for giving us steps to follow to make saving money happen!
More good news to come!
- Patricia Bergen
Chatham, NJ
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December 27 2006
Hi David
Thanks for the courage you give me and now I feel I still got hope, I'm in my 33 years old, I just called my CC company to waive my annual fees, they did it for me with no question asked.
I changed my cellphone plan and unsubscribe the cable TV. Last month, I returned 2 cards that I do not need anymore which are pitfalls for me to be drown in debt. For next month, I will clear one of my cards and am left with only one last card to deal with.
- Keith Chong
San Francisco, CA
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