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March 4 2005
Dear David,
My name is Angela Campbell, and I am orginally from Brazil. My native language is Portuguese. I am an English as a Second Language Professor. I have lived in the US for 16 years. I live in Orlando Florida. I was raised in a world in which the man of the house takes care of the finances. And that is was I did. I let my husband take care of the household finances.
Even though I have a masters in Education and I considered myself an intelligent woman, I was financially illiterate. Every time I thought about finances and handling money I was discouraged or afraid. I was also afraid of the future and not knowing what to do with my money in case I was left alone. All books about finance were written in an intimidating manner (mostly for me because English is my second language).
About a year ago, I saw an add for your book Smart Women Finish Rich. I read it and it changed my life. I was surprized at the way you explained things. The way women like to have things explained, in a simple an easy to understand manner. Literally, the book took away the fear and it opened doors for me to start reading and learning about finance.
A year later I do not consider myself a financal expert, but I am on my way. I have a retirement account, I have an S&P small account. But most important of all, I have knowlege and finances do not intimidate me anymore. Ignorance is a terrible thing and it is very frighting.
I was so happy when I read your book that I even sent you a short e-mail thanking you for having written the book.
As I mentioned before, I am a teacher and I think one of the reasons you were so succesful with that book is because you explained thinks the way women understand.
I was surprized to know that women in the US leave the finances to the man the way they do in Brazil. I was wondering if you and your company would not like to expand your knowledge to the women in Brazil as well. I truly believe there is a big market there for that kind of knowledge. South American women are much more illiterate when it comes to money and much more depend financially on their husbands than American women. I think there is a huge market over there for that kind of knowlege. It is an idea that I think it could be very profitble. I am teacher, I have read several of your books, speak Portuguese and English, and I know the culture of the country. Maybe I could help somehow. It is a huge emerging nation and women are looking for changes. They go to college ,but when it come to finances, they are not prepared.Like I said there is a huge market for that kind of knowlege.
Again thank you.
- Angela Campbell
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March 4 2005
David,
My wife bought your book for me yesterday; I haven't picked up a book since high school, 1973. Ya, that's right, and my friend I haven't stopped since I picked it up. Fifteen years ago I owned 4 companies and a good friend sold me a store--if only I would have bought your book fifteen years ago. Bang, now it's start late and I will finish rich. Again, counting beans does pay off, and sir, I will make sure I tell 10 people to buy a copy. Your book can make a difference. Lot's of real info--I can't wait to finish it.
Thanks Again,
Starting over at 50,
- Fred Saraiva
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March 2 2005
Dear David,
First of all I wanted to say thank you for including me in your workbook for the Automatic Millionaire and for sending me a signed copy. After reading my quote, I realized that I’d like to update you. Since I wrote to you last quite a few things have happened; not the least of them becoming almost two years older.
I have increased my contributions to my 401(k) account to 15% of my income; this includes any bonuses that I receive. I have found a CFP that I absolutely love and is a treasure to work with. My CFP is helping me structure my investments to make sure that my Security Basket is on its way to being fully funded. My Retirement Basket is well on its way to making sure that I am a millionaire by the time 65 rolls around. My Dream Basket will shortly be restructured to be a little more aggressive since I will not need the funds for the foreseeable future.
As if that is not enough, after I max out my 401(k) contributions for the year (my IRA for this year is already maxed out); I will start saving for my first home. This account will be funded with monies that would have gone into my 401(k). I will also be debt free save a car loan by the end of the year.
I’m not done yet, last year I had begun to explore the possibility of opening a side business. This is an idea that I had decided to back burner a few months ago until I picked up your latest book, Start Late, Finish Rich. It is jammed packed with ideas that should help me focus and find a way to increase my income.
So David, I can’t thank you enough for providing so much inspiration. If I had never seen you on Oprah after you released Automatic Millionaire, I’m sure I’d still be floundering around and would not have accomplished as much as I have in the past two years.
Thank you again for giving me so much that I can use to grow on and share with others. I’m sure the next time I write, it will be to say that I have opened a successful business from my home.
Forever Grateful,
- Denise Grant
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February 25 2005
David,
I just read Smart Women Finish Rich. I read it as I was travelling to Toronto to visit my sister and brother-in-law. My brother-in-law is currently in the Coronary ICU of a major Toronto Hospital, awaiting a heart transplant.
I already had a good handle on many of the concepts in your book, but the timing of when I read it prompted me to call my lawyer when I got home and set up an appointment to get a will done. I also called my insurance broker to talk about disability and critical illness insurance. I always thought these were things that I could do "later". I realize that it’s time to do them NOW.
I’ve also revised my filing system, adapting it to the Smart Women Finish Rich System. It’s brilliant!
One quick correction to your Canadian edition. On page 63 of the paperback version, you recommend that readers check out www.hrdc-drhc.gc.ca to get information about CPP contributions. That website is no longer functional. The new website is: http://www.sdc.gc.ca/en/isp/cpp/soc/proceed.shtml
Thanks for a remarkable, simple and easy-to-follow book. Every woman should read it!
- Sarah Eaton
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February 24 2005
Today, I stumbled on your book 'The Automatic Millionaire' accidentally while window shopping in a bookstore...I must say that I got so excited with the sound advices you gave that now I can't wait to put them into practice...
Thank you!
- Richard J
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February 24 2005
Dear David,
I just finished reading your book and I want to tell you how easy it was to understand and how much I enjoyed it. When I was shopping for an investment book at Barnes and Noble, a man was standing next to me. He pulled your book The Automatic Millionaire from the shelf and told me that he has read many books on financial planning, and yours was by far the best and the easiest to understand. So I took his advice and read it. Well, he was right! It was a quick and very inspirational read. I especially liked the story about the McIntyres, the rainy day chapter, and the Latte Factor chapter. I am going to order Smart Couples Finish Rich and the Start Late Finish Rich books right now. Thank you for motivating me to a secure financial future.
Sincerely,
- Mary Beth Galvin
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February 23 2005
Hey, David -- I just wanted to thank you for your wonderful Start Late Finish Rich book. Like so many other people you have helped, I was very discouraged. There just seemed to be no shortage of people willing to tell me that it was too late, or that I was pretty much a hopeless case. You are a sole and shining beacon for those of us who, for whatever reason, are getting underway behind the pack. Thank you from the bottom of my heart for not only providing a practical plan for getting ahead but also relighting the spark.
PS: I am the journalist who quoted you in the Montreal Gazette article on Feb.14. Glad I could in some small way give back to you.
- Susan Kelly
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February 23 2005
David,
I have just finished your book Start Late, Finish Rich. I am a middle manager in a career I love but until recently I kept questioning what I'm going to do to be better prepared for retirement. I have a years salary saved and already have my mortgage on a bi monthly schedule automatically. My credit rating is moderate to good, yet I am only living pay check to pay check. I have joy experienced almost daily, and I volunteer for three agency's throughout the year, I also contribute money to my favorite charity. With all this going on you would think I would be ok with myself. This is not the case and your book has confirmed many things I have thought about in the past but didn't know how to make the plunge to live life richly in all areas, I failed to figure out how to be happy with my financial situation. It wasn't important until retirement age started creeping around the corner.
I just want to thank you for giving me the clarity to look at what I am doing with my money in a better way and feel I can follow some of the suggestions you have for the reader.
I increased my 401k at work to the maximum level. I have an automatic savings plan being started. I have always believed in owning my own home and do own one now. I have thought of an home based business and am getting ready to launch this businness in the next month. I'm still trying to convince my wife to allow us to use some equity in our house to buy a rental property.
I feel you are a catalyst in my life to realize some goals and dreams I've been afraid to tackle.
Thanks,
- Perry Shepard
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February 23 2005
A friend of my husband let him barrow your book "The Automatic Millionaire." My husband works for the railroad and everyday when he'd go to work he was taking $20.00 out for food and coffee. That adds up to be $100+ a week, $400+ a month,$7000+ a year. Well since he started reading "The Automatic Millionaire" and I started reading "Start late, Finish Rich." He's started packing his lunch and taking home brewed coffee to work with him. We have managed to pay over $2,000.00 of our debt off.
Thank you,
- Kimberly VanValkenburgh
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February 23 2005
First of all thank you David for such great advices, it's been an inspiration. I was in a library one time and I was looking for a book to teach me how to save money, I was more than amazed by this book and how much I could save and gain with the little money I had in my possession. I was looking forward to buying a house but I didn't think that I could afford it. Now that I have read this book everything makes sense and now I'm telling everybody that they should buy their own house. Now I'm looking in my neighboorhood to buy my house and I'm still saving $70.00 per weeks because of my LATTE FACTORS. Thanks again and I hope you'll come to Montreal one day.
- Charlene Brunelle
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February 20 2005
David:
Thanks so much for writing and sharing your knowledge. I have found my latte factor. I would normally stay very late at work (until 8 or 9pm) each night. Once I did that, it was either too late or I was too tired to catch the bus or train home; so, I would take a cab. The cab ride was $7.00 a night / $35.00 a week / $1820 a year! I now get home in time to see my daughter and spend time with her and am no longer spending money on cabs!
- Mercedes Falber
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February 20 2005
Dear David,
I am 29 and my husband is 36. We both declared bankruptcy a year ago and I thought all was lost, until I read Start Late Finish Rich. Thank you so much for your advice. I now realize that being a stay at home mom of three wasn't a terrible choice and my husband and I won't grow old poor. You even enspired me to FINISH my BBA in Finance (I already have a BA in Secondary Education) and my husband to start his MSF (which his company will pay for 100%). Since we already own our own home and have decided to live on a cash only basis, I understand now that we are much better off than I orginally thought. I have even started my own business on E-bay and we began putting 10% (to begin with) in a 401K.
Thanks again!
- Kathi McKenzie
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February 19 2005
After reading The Automatic Millionaire I became a changed woman. I only wish I had learned of this information sooner than at age 49.
Since being enlightened by your financial wisdom, I have changed our IRA's to asset allocation funds, and am maxing them out. We also have one rental house that someone else is paying down that mortgage. We sold our house and have money in the bank, and are building our next house without a mortgage. We are forever grateful and am buying your books to give as gifts.
I hope to enlighten my teens to better understand these principles. Thank you for your gift of freedom to so many.
- Lynn Lowe
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February 18 2005
I am 41 years old and am finally getting my financial life in order thanks, in part, to you. I have never been so excited about reading and learning since I was in medical school 18 years ago! My indebtedness from school has essentially paralyzed me and it has taken me until now to get motivated into wanting to pull myself out of the cycle. I thank you with all of my heart for exciting me and pointing me in the direction of financial freedom and living well. I look forward to reading all of your books, and attending a seminar soon. Thank you, thank you, thank you!!!!
- Karl Holtzer
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February 18 2005
David:
I noticed your book in Chapters bookstore. I loved the title and flipped through and decided I had to have it. So I went online to purchase it and got the audio cassette first because I don't have time for reading much. I am hooked after the first CD. And now I want to give your Audiobook to everyone, young and old. It's fantastic stuff. Start Late, Finish Rich is so relevant and helps those of us who might've once thought we were invincible to get into a new mindset.
Thanks,
- Simone Tai
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February 18 2005
I just want to commend you on a great book! I had already implemented maybe 75-80% of your suggestions, but this book has given me the additional inspiration I think I needed to maximize my retirement. I actually find myself voicing your views and recommending your reads to anyone that will listen to me when the subject of finances comes up. I am a late starter myself, (43 now, started taking things seriously at 37) and probably the biggest obstacle to overcome was the (I wish I would have done this years ago, so on and so forth). The only thing I need to do now is live long enough to realize my efforts. In light of this deep interest in my future also comes a deeper desire to take care of myself physically as well. I have an Industrial Contracting company that I started in 1989. During the prosperous years, I found myself living the "high life" and wasting all the profits on unneccessary equipment, vehicles, vacations, etc. If only I had read one of books years ago!! I could have retired by now. Now I have 15 years of hard work ahead of me. Probably the greatest realization I have received from your book is that I should not include the money from selling my business or social security in my retirement projection. I don't believe you really came out and said that, but I figure that if I follow your plan and not include my business sale or social security that any extra money from these will be icing on the cake!! I am trying to make an impact in a childs life as you suggested and it's actually helping me in the process. I could go on and on but I am going to stop. Thank you again and I am look forward to reading more of your books and possibly meeting you in the future. Have a great day!!!
- Tony Varone
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February 18 2005
David -
Automatic Millionare is a great way to organized one's life. I can't wait to share this with my 19 year old son. I'm seeing him tomorrow and can't wait to tell him that I have found a way to save him from the mistakes I've made in my life.
I immediately recognized my Latte Factor. Books! Yes, the very thing that made me buy this book on impulse has been at work in my life with books in subjects ranging from geology to "Drawing the Nude", westerns, science fiction, romance, and just about anything else you can imagine for as long as I can remember. This started when I was a kid and had been hit by a car. My mother brought a book home from grocery shopping every week. My earliest memories of being warm, safe and loved are wrapped up with books. When I was older (late 70's) my father and I would go to the grocery store with her and add an average of $10 - $15 per week to her grocery bill in paperbacks. Today I average a $6-7 paperback a week, I have a monthly subscription to an audio book service for $20 and then there are the subject books. Lets say I get interested in geology or the Spanish language. I'll go out and spend an average of $10-25 every two weeks acquiring books on the subject. I want to own them, not borrow them, I want to touch them, smell them, fall asleep with them and when I'm done with them, I usually box them up and hoarde them in the attic. Now for the changes I've decided on... other than a few special books, I've resolved to donate them all to charity and start getting my pleasure reading (brain candy) at the local library. If I become enamoured with a special subject, I'll start with the internet and if after 3 months of researching on the internet, I'm still passionately interested in that subject, then I'll see what the library has, and then, after I've read through their selection, if and only if I find a book worth keeping, will I go buy it at the book store. The indulgence I've decided to keep is my monthly subscription to audio books. With a 1 1/2 hour round trip commute every day the audio books save my sanity. I'm still cutting out an average of $80 per month in spending that can be satisfied in other ways. This equals 10% of my mortgage. Guess where I'm going to put that money.
Thanks for helping me find a new perspective!
- Dennie Fennell
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February 15 2005
Hello my name is Latrice and I am currently 22 years old. All my life my immediate and extended family has had financial problems. I wasn't taught proper money management. When I was 19 I had my first part-time job and I worked with a man who told me to invest. He pumped me with advice all the time. I really didn't think I was listening but two years later I realized I had been.
I was working at a new job for a year then and received my 401k package. I was surprisingly excited, I had been thinking about my future alot over the last couple of months and didn't know where to start. I went my bank and saw a financial advisor and he gave me excellent advice. I maxed out my 401k at 18% and four months later I started a Roth IRA. I was feeling more confident and aware of my future. I still get negative remarks from my mom, she disagrees with how I chose to utilize my money. But that doesn't stop me.
But there was still one issue bothering me. I had no money saved up in my checking account and failed a savings account two times previously. I do not know how to save up for emergencies, if I have money I have to spend it. That's when I picked up Smart Women Finish Rich and I am slowly trying to not live pay check to pay check. His words are inspirational and I will succeed.
- Latrice Ivy
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February 15 2005
David,
I heard an interview on the radio one morning with you the day your Start Late, Finish Rich book came out. I ordinarily don't listen to talk radio in the morning since it doesn’t seem to wake me up, but your principles where so simple and true that I just kept listening. Needless to say, I bought that book, finished it within the week, then moved onto Smart Women Finish Rich. I had meeting with a financial advisor on my 2004 "to do" list, but didn't get it accomplished. So, come 1/1/05...I set up the appointment! My husband wasn't ever worried about or future since he has a decent pension plan and only has 15 more years to go to collect. He will only be 47 at that time, and could if he wanted, seek out another career with another pension as well. I on the other hand, currently have no plan except for some old small rollover IRA accounts to try to build on my own now and retire on.
In light of recent political events, I don't foresee there being a social security plan by the time I can retire in 40 years! So, it was time to convince my husband to get on the same boat as me in planning for a future together that won’t be as financially strapping as we seem to be now. It took a bit of explaining, but once I told him about the latte factor, (and pointed out ours!) I was able to get him to also open a Roth IRA with me with the promise that his investments didn't have to be as risky as mine. The accounts are now open and I finally can sleep better knowing we have some sort of plan set up for our future. I looked at every angle, and this is the only place currently we can invest in. But my 5 year plan looks great! Before you know it, I will be one of your new smart women who finish rich.
Thanks!
- Kandi O'Brien
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February 14 2005
David,
I read your book (The Automatic Millionaire) in four hours this Sunday. Took a little longer as I kept playing with numbers in Excel. I have kept myself out of credit card debt and I am in my mid-twenties. I have a little bit of a latte factor (which I can identify now). Due to a raise and not making carpayments (live in city no need), I was seeing sizable extra income. I had already opened a rainy day ING account (which I made automatic last night) and started my own investments with a mutual fund. I did not realize the whole pre-tax retirement investments. I called this morning and opened a TIAA-CREF account, automatic. If all goes well I'll retire early. Now I just need to find a home!
- Kevin Haynes
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February 13 2005
Thank you for coming to Thousand Oaks and speaking. Sorry about the weather!!! I dragged my husband with me, at the end of the day he was glad he went and learned alot. My son and I call your book "The Bible". Thank you for opening our eyes to saving.
- Connie Hernandez
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February 11 2005
Dear David Bach,
Just a letter to thank you for your free book yesterday at The Millionaire Conference in Torrance, CA.
All those "millionaires" were selling their "secrets" for thousands of dollars. Then there was you -- giving away your book FREE to help me. Thank you very much. I WILL read your book and put it into action.
There is something special about a man/woman is willing to put their plan in an afforable book for all to read.
This is my first letter to you. You will be getting future letters on my progress. I am now a fan of yours and will give you credit to my start to a better future.
May your cup continue to run over with blessings for you and your family.
Best regards,
- Ms. Donna
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February 11 2005
David, I must tell you, I just - about 1/2 hour ago, paid off my credit card completely, and for the first time in my ten year marriage, my husband and I are credit card debt free!!!!
I can't tell you how good it feels! I worked my but off to do it, but it is definately worth it. Now I can start increasing my retirement savings. And - I will never be in credit card debt again!!!!
Thank you for your inspirational books.
- Sarah Burek
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February 10 2005
Mr. Bach,
You have really helped my husband and I! We're both 25, and recently paid off all of our credit card debt. We also managed to save over $7,500 toward our dream of moving to Hawaii.(I used to live there, and I miss it badly.) I wanted to keep our fund in a cardboard box decorated with pictures of the island in the living room. There I could gaze at, caress, and smell the money to feel how close we are getting. Since reading your book, we've opened three different mutual funds and decided to put Monopoly money in the box instead!! My husband owes you his deepest gratitude for swaying me to the side of reason, and our funds are going to grow instead of gather dust in the living room! Feel free to use me as an example of what NOT to do in your seminars and books!
- Amber Touch
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February 10 2005
I'm 42 & stopped saving for myself about 10 years ago becasue I lost one job & moved on to a new one. Anyway I thought I'd get started after one year on my new job. Sad to say until I read The Automatic Millionaire I hadn't thought much about the 401K available at work. I signed up & I'm moving forward. Interesting note: From age 23 to 32 I saved 10% of my pay in IRA's which have grown from $30,000 back at age 32 (1996) to over $100,000 at age 42 (2005). Just imagine how much more things would look if I never stopped at age 32 -or- thank heavens I'm starting again & how much better things will be!!
Start young, never stop, & finish rich!!!
- Paul Knight
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