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July 5 2006
I found your book Smart Women Finish Rich and restarted my life. I was bankrupt at 22 and have been unemployed since 2003. With some help from my province and my parents I started back in school. Through this time I have used your book and inspiration to save more than 3700 dollars. I have been reading other success stories on your website and they have inspired me to increase my bimonthly contribution by 25 dollars to a monthly total of 150. Its money I don't have and can't afford not to put away. I have contacted the provincial government and told them that they need to start teaching our kids about the real world and what money really means. I encourage everyone to do the same. I am also going to start explaining these ideas to transitional youth in foster care.
Thank you.
- Marcy Cross
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July 5 2006
Hi David,
I want to thank you for changing my life! I think it was two years ago that I purchased the Automatic Millionaire. Your inspirational stories motivated me into realizing that I too could reach my dreams. In two short years my husband and I have both purchased new (to us) vehicles, a small yacht and have taken two family trips oversees. Last week I finished reading The Automatic Millionaire Homeowner and guess what....on Tuesday I bought a new home and will become a landlord of my existing home. In addition to all that we also have $9000 in a rainy day fund! Two years ago David we were headed for broke. Now that everything is automatic we are well on our ways to becoming the automatic millionaires I know we can become. Incidentally, one of my close friends purchased her first home last year after reading my copy of The Automatic Millionaire. By watching her latte factor this single mom that earns $8.50 an hour became a homeowner! It can be done! I have just let her borrow the Homeowner version! Thanks David for changing our lives.
- Gabriela Wass
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June 28 2006
Dear David,
I work for a credit union in Florida. I am about 10 years from retirement, and I didn't start saving early enough. I heard about The Automatic Millionaire on Oprah and was so impressed, I bought the book. It was a quick read and so full of good advice, so I gave it to my two children, ages 21 and 24 right away. They loved the book and are both securing their financial futures according to its concepts. It's been 2 years, and they already have nest eggs! They pay themselves first! Plus, I think your book is so valuable that I recommend it to every young person (and some of the older ones) that I serve at my credit union. Some of them have even came back and thanked me for recommending this book to them. I'm so glad you wrote this wonderful guide to securing one's financial future! I think it is invaluable! Thank you!
- Peggy Willumson
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June 21 2006
My husband and I have tripled the latte factor (gas factor, clothes factor, lunch factor) by both working from HOME! I never have to go out for coffee or lunch, and all the clothes I wear are casual (I am a Mom of two small children). We are both here when our kids get home from school around 2 pm and we have dinner on the table by 6:00 pm every evening - I estimate it at $10 per day savings on lunch and breakfast (coffee, etc), $100 a month on gas and amazing savings (suits, dry cleaning for a man and a woman every week, panty hose, men
s ties, we both dress like students, it is great! I used to have an Ann Taylor card and I got rid of it 5 years ago when I started working from home). We both work from home for a fortune 500 corp, but I believe many self employed individuals can catch this trend and spend/save their money elsewhere than on working expenses. Laura
- Laura Ruka
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June 21 2006
Dear David,
I had the opportunity to read your book “Smart Women Finish Rich” and have been telling everyone I know about it. I have always had a good relationship with money. My grandmother always told me about the importance of saving for the future. She enjoyed a very comfortable lifestyle as her husband was a pharmacist. One day he became very ill and could no longer work and continued to deteriorate and eventually died. She had not worked for many years and all of the sudden she had no income and a daughter to support. Luckily she had planned for a potential emergency and had savings to get them through. She went back to work and was able to manage. My Mom learned from my Grandmother the importance of saving and I learned from my Mom. Three generations of “smart women”.
The thing I enjoyed the most about this book is the relationship you defined between money and your personal values. How can we begin to set goals for ourselves concerning money if we do not make the connection between our personal finances and our dreams, aspirations and philosophies? I spent a great deal of time thinking about the exercises you recommended and came up with clear, concrete answers. This made so much sense to me! It makes financial decisions so much easier. When you’re about to make a small, medium or large purchase, you just ask yourself the simple question, does this purchase fit in with my values and life goals? All of the sudden, the expensive make-up and designer jeans don’t seem quite as important. It is all about putting things into perspective. It is so easy to make that impulse purchase to fulfill an emptiness we may be feeling at that time. Instead of buying something to make ourselves better for the short-term, we should invest the time to think about what is really important to us and look at the big picture. Do I want to buy a coffee and muffin every day, magazines, expensive meals and trendy jewelry or would I rather be sitting in a café in Paris watching many interesting people walk by. I can answer that question very quickly!
Thanks for making such an obvious, yet easily missed correlation. I understood how to save money and make good investments. I just never sat down and thought about the relationship that exists between by life goals, values and money.
Kristen Pasz
Milton, Ontario, Canada
- Kristen Pasz
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June 21 2006
David,
I was reading Smart Women Finish Rich, and the little section where it talks about if you start saving at the age of 7 $1 you will be a millionarie. Well, at that moment my 9 year old started reading with me and she really enjoyed that section. First she mentioned that she is starting late because she is now 9 years old. After we talked about it she decided that she was going to start saving $1 every day out of her allowance that I give her. I just wanted to share with you how excited she was about saving $1 a day. She has now shared it with her little sister Amita (8) and she wants to get her started saving aswell. I just thought it was so wonderful how she understood what we were reading.
I love your books and they have helped me a lot.
Thanks,
Juana M. Bhaskaran
- Juana Bhaskaran
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June 21 2006
Dear David,
I have been managing my home-based business for 6 years now. When I decided to begin this journey of being self-employed I had no idea on what steps to take, and since I was one of the first in my industry there were no resources to help me get started. I just jumped in, and now I am one of the most sought after real estate virtual assistants in my region. When my income became more than I expected I did not have a clue as how to manage it. Thats when I found your book Smart Women Finish Rich. I have read the book several times and have even used it as a resource when I am coaching others in becoming self-employed. I encourage each of my students to purchase the book and have even bought several copies for those that could not afford the additional expense because they have their money tied up in building their business.
It has been a learning process, but with your books we are now prepared for the future. Thanks so much for all you do! Can't wait to see if you are ever in the East Texas area.
Kim and Paul Hughes
- Kim Hughes
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May 31 2006
In 2001, after 33 years of marriage and 9 children, I found myself divorced, living in an apt., with damaged credit, but with a full-time job I love -- teaching orchestral music in a junior high school. I was lucky to find and read "Smart Women Finish Rich" and began repairing my finances and regained the confidence to move into a home that I leased with an option to buy. I exercised that option 3 years ago, and rent out the basement apartment which covers more than half of the mortgage payment. I've now read "The Automatic Millionaire Homeowner" and want to encourage four of my children who are married to get out of the rent trap they're in. Thanks for your advice and inspiration.
- Kathy Wilson
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May 31 2006
I decided to take on the Debt Diet and found that by cutting out lunches 3 times a week, special coffees and pastries that I could save as much as 100 dollars a week. It was hard at first, however friends have supported me when I explain to them why I can't "do lunch". I have also bought my second home and currently working on a down payment for a home in Florida. I have talked as many as 15 friends into buying homes within the past 5 years and I recommend your book to everyone I talk to. I am so excited and know that I am on my way to becomming the first Millionare in my family. Thank you for making the read so easy and actually explaining how, wnen, and what steps to take in order to achieve financial freedom beyond even my dreams.
- Rose Hester
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May 31 2006
David,
I'm an employee of Wells Fargo Home Mortgage, so I received and promptly read your book. Even though I'm already a homeowner, I still came away with some valuable information. I'm encouraging friends who rent to buy citing all the reasons you state.
I then bought the Automatic Millionaire book and again came away with powerful knowledge. I reevaluated how much I was working for myself for a week, and it came to less than two hours. Pathetic!!! I immediately increased it to 2.5 hrs to start. With the company's match, it actually comes out to 5 hrs!! I don't have much of a safety net either, maybe a month's worth at best, so I sent up an automatic transfer to savings every pay period. Like 99.9% of people, I'm not disciplined to do it myself.
Thank you for writing these books. They need to be required reading at the high school and college level. I've been preaching for years that schools need to teach basic financial skills. Thank you again for a plan to finish rich.
- Allan Rife
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May 31 2006
David,
I am so impressed with your books. First I saw you on Oprah with the Debt Diet series, then I bought Automatic Millionaire and am now reading Start late Finish Rich. And I must say when I first figured out my debt, I was in shock and denial that I had let it get that bad. But reading your books has opened my eyes. I know what I have to do. Pay down my credit card debt, and save money at the same time. I opened an account at INGDirect $90 a week as my emergency fund. And I am paying 1/2 more toward my principle on my mortgage. Already I feel like I have some breathing room. Thanks so much for all the good advice.
- Donna Graff
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May 31 2006
I just finished your book and listened to your audio clip. Thank you. Yours is the finest book I have ever read. It was easy reading, logical, and gave great action steps to improve anyone's financial future. You knocked it out of the park!! The information in this book provides practical knowledge and resources for anyone making money. It should be taught in every middle school, high school and college in America!!
- Jon Klein
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May 31 2006
My husband and I have recently purchased our third rental property! Two of which are all ready in a lease contract with the Community Health and Counciling. With our first purchase we have been able to build a new home that we will retire too in Florida. We were able to build enough equity in the first home so we were able to use this as our down payment on the Florida home. We are now the proud owners of four house lots in Florida as well as five different homes, three of which bring in a positive cash flow.
I thank you David for all of your advise in your books and I hope someday I will be able to thank you in person.
- Carolyn Farnsworth
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May 31 2006
Dear David,
I can say without a doubt, no book has ever had the magnitude and certainty of impact as your book “The Automatic Millionaire.” It is the only book I know that can change your life in a moment and have a permanent and lasting change.
- Bulelwa Freer
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May 31 2006
I just wanted to thank David. I went to his seminar (in San Francisco, in March) thinking I was 5 years away from buying a home. He got me so enthused I went out and looked at places the following Monday, and made an offer. Now I live in a very cute place, in the Neighborhood I wanted, and my overall housing costs have gone down (with the tax benefits taken into consideration). I had to go down in size a bit from my rental but it's all mine! My whole life is beter and I feel like I'm truely on the path to financial freedom. THANKS DAVID!
- Shelly Harrington
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May 31 2006
David,
Enjoyed your visit to Denver last week. I am a big fan of what you teach. Start Late Finish Rich was awsome.
My story is coming to this country at age 30 with $50.00. In the 80's I followed the teachings of Charles Givens. In the 90's I latched onto Rich Dad Poor Dad and really added to my net worth with real estate. Now in the 2000's, your information is resonating with me.
Long Story short, I have done most of what you teach and today my net worth is $2.5 million. Most of this done after hours and with real estate What a country!
I plan to live the dream when I have $10,000 residual income per month. A few more years.
Keep up the good work
- John Eaton
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May 31 2006
In January 2006 I decided that I was ready to take charge of my life by getting my finances in order. I have read Smart Women Finish Rich 3 times and I continuously encurage my female friends to purchase it. It jolted me into action. I got my folders together and knew exactly what I was working with. I finally started to contact the debt collectors that I had been avoiding and have successfully settled outstanding accounts. I am happy to say that some of them were settled for less than half of what was owed. In addition, I purchased my first home last month. I am also filling out paper work to open a self-directed Roth IRA. I attended the Great American Homeowners Challenge in Atlanta and I was thrilled to receive a copy of your latest book. I am on a roll and I just to thank you for your part in my transformation. I am continuing to live my best life.
Golda
- Golda Smith
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May 31 2006
David,
Thank You! Thank You! Thank You! I am what i like to call a motivated procrastonator. In my head and on paper I think and write about doing the "right things" with my life and money, but some how dont get around to it. Your book has changed that. I downloaded an Audio version of your book Automatic Millionaire 2 days ago and with my commute I am almost finished. Wow. As you mentioned in the beginning, there were a lot of things I already knew, i just didnt know how to start.
I am not an Automatic Millionaire yet, and I am just about finished with your book, but i will tell you that i am already a success in my eyes. I am currently a 26 (going on 27) year old with not one penny in any investments, not even a 401(k). My parents always told me that credit card debt was bad, but until a few years ago watching a financial advisor on TV, i didnt even know what a FICO Score was. From that moment i was hooked on educating myself financially and i have hooked my friend as well as giving my 19 year old sister the tools that were not given to me. My fiance and I once had FICO scores of low to mid 600's and now he is at 750 + and im a little over 700. To sum it up, because of your book I made my FIRST EVER investment today. It wasnt much and its not automatic yet, but i just wanted to test the waters and see how easy it was. I invested $25 in an I Bond and $25 in an EE Bond and in May I am enrolling in my 401 (k). My fiance and I have a savings account and I realized our money just isnt working for us. I am now proud to say that my money will start working for me and I will start working a few hours a day for myself all because of your book.
You have turned this "Motivated Procrastonator" into a motivated Financial Investor.
So again, thank you for opening my eyes and helping me secure my future.
- Lisa Stone
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May 31 2006
David -
Thank you for your presentation at the Great American Homeowners Challenge in Denver on Wed. One of the many things that impressed me was your final point - giving back. If you accumulate wealth, don't hoard it, share it. I spend 2 weeks a year in Cambodia, working at orphanages that our church supports. This not only involves my time, but financial resources. Cambodia is a very depressed, corrupt country. When I come back to the United States, I realize how truly blessed we are to live in America.....and how wealthy we all are! So I am always trying to get my friends, family, etc to share their financial resources with some organization for which they feel an affinity (even to the point of tithing). Thank you for your support of that same philosophy. We are truly blessed to live in America, and we need to share those blessings.
- chuck cole
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May 31 2006
Recently I read Start Late Finsish Rich, and Authomatic Millionaire. As soon as I understood the difference between bi-weekly and monthly mortgage payment, I immidiatelly called my bank and transfered to bi-weekly. I also negotiated the interest rate that me and my husband were paying on our credit cards. Next thing we will do is to increase his RRSP contributions, as he works for the company that matches 50%; to open a RRSP account for myself.
Our Latte factor was dinners with friends every weekend, which we cut it down to twice a mounth.
Thank you for the motivation. McIntyre's story inspired me to save and pay off my mortgage earlier. I am thinking of the things that I can do with the money I'll have when I will be living in my mortgage-free home.
- Jasmine Todorova
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May 31 2006
David!
You have no idea how you've saved my life and future. I’m a 26yr old single woman and for so long I've felt like I would never get out of a vicious financial cycle of debt, senseless spending and no savings. I make $65,000/year so it didn’t make sense to be struggling from month to month. I was literally house rich and cash poor. After reading The Automatic Millionaire and TAM Homeowner, I don't even recognize my bank statements anymore! I see so much green now instead of so much red!
First I started with finding out what my latte factors were, and boy were there many: Magazines, junk food, fast food, costume jewelry and unnecessary home decorating items: $60/week = $240/month! Then I started thinking of other things I can save on and put them into action:
1. Moved from renting at $1,700/month to $1,150/month = savings of $550/month!
2. In new apartment I don’t have to pay for heat and water = savings of $75-$100/month.
3. Changed Federal withholding from 1 to 3 = savings of $100/month
4. Got rid of home phone line (I only need my cell phone) = $55/month
Total Savings: $1,045/month!!
With the first month’s savings I was able to pay off 2 credit cards and open up an Emigrant Direct savings account with an initial deposit of $100. From the 2nd month on I’ve been depositing $850/ month into the account automatically. In a year I’ll have $10,200 in there (not including the 4.5% interest earned on it!). I also started contributing 6% of my salary into my 401K automatically (the maximum my company will match 50% of is 6%) = retirement savings of $5,778/ year! With all these savings, I still don’t feel deprived of life and fun because I give myself an allowance of $150 a month to spend on absolutely anything I want (groceries, gas, etc, are not taken from this allowance. They have their own spending account). I track all my expenses on an Excel spreadsheet.
In a year I will have paid off all my debts (student loans of $2,500, personal loan of $3,720, and $3600 of my car loan). With the $10,000 in savings by next year, I will be using $6,000 as a down payment on a condo in 2007 plus additional for closing costs and fees. Even if I have a mortgage payment of $1650/month on a $200,000 condo (mortgage, interest and taxes included), I will still be able to continue saving at least $500/month and even up my allowance to $200/month! And as a homeowner, I will have huge tax breaks that I don’t have as a renter. My 5yr goal is to use equity from my first home to buy another condo and rent it out using the techniques in the Automatic Millionaire Homeowner.
With a clear plan in action and with a future bright and welcoming, life could not get any better. It’s all thanks to you David. No other financial expert has been able to make things as simple and easy for millions of people to do as you. You are an Automatic Hero, and I’m well on my way to becoming an AUTOMATIC MILLIONAIRE!
- Diana Stone
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May 31 2006
Dear David,
I've read the Automatic Millionaire, and own a hard copy and an audio copy of Start Late - Finish Rich. I listen to it regularly, especially when I need motivation!
One of my success stories includes spending a half hour online, and a phone call.
Looking for my double Latte Factor, I have been systematically going through all of my expenses. I reviewed my auto insurance (same insurer for 15 years now) and found I was paying for coverage for towing, that was already covered by my car dealer - this amounted to a savings of $6.00 a year, but I didn't stop there. I decided to get a few quotes online, including from the company I am already with. I was quite surpised to find out they quoted me over $50 less per year, as a new customer, than what I am paying now. I also got quotes from a few other companies. Armed with all of this information, I called my insurance representative. I started slow, dropping the towing coverage, gently asked about any other discounts that might be available, then dropped the bomb about the fact that I could get a better deal if I wasn't a loyal customer. I also made it very clear that I was looking into other insurance companies. You know the rest, but the time I got off the phone (less than 10 minutes) I had saved $156.00 on next year's premium. I can't retire on it, but I can invest it, and I'm going to.
Thanks for the advice and the inspiration. There will be more success stories from me, I'm sure!
- Pamela Berardino
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May 31 2006
Hi David,
I don't know if I would say I have a great success story to tell, but I can say it was a real awakening...
I am 54 year old man and for some time have been much aware of similar concepts. However, knowledge without action is of little value.
Thanks to you're automatic millionaire audio series and my daily 1hour and 15 minute commuting you and I spent a good deal of valuable time together. During that time you were able to add to my knowledge base, stimulate my emotions, and inspire me to take the action steps I should have years ago.
Today, thanks to you I not have in place a monthly giving program and a monthly purchasing plan for I-Bonds. I have opened and IRA, I open and emergency fund with ING, met with my CPA to fund a SEP account with over $7K for my initial investment, converted my health insurance plan to one the is HSA compatible for further tax savings, and have started shopping for a home to purchase.
Thank you for sharing your heart felt feeling in your program. I am sure these changes will make a real difference in my financial future.
- Steve Browning
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May 31 2006
Dear David,
I am writing to thank you for being such an inspiration and for helping me to keep on track with my financial planning. I, like many others who have written to you, find your writing style easy to read. It truly feels as though I am listening to a friend give me advice.
I first picked up your Smart Couples Finish Rich and Automatic Millionaire books a couple of years ago. The titles of both peaked my interest and I was looking for a way to jumpstart my retirement savings which had taken a hit after the tech stock bust. As I was reading, I was pleased to see that I had already implemented many of your strategies.
From the time I was very young, I decided that there were only three things worth going into debt over: a house, an education, and a car [since you need transportation in order to get to work]. However, I hated the idea of debt and so, I worked part-time as an undergrad and full-time in grad school so that I would be able to finish my education debt free.
I really like your Values Circle idea. I had not tried the technique until about a year ago but when I did so, I realized that I didn’t have any financial plans to align with my value of my children except for having life insurance. So, that very day, I opened up 529 accounts for both of my children. By the time they finish high school, I should have enough in their accounts to pay for state university tuition for them.
- P Carrington
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