Previous 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 Next
|
|
|
|
January 26 2005
I saw you on Oprah. You inspired me so much that I ran out to the book store and bought your book. I read it in two days and was so full of ideas. I called my job and got some numbers to start getting information on pretax retirement accounts. I also am going to be starting an account for my kids for college. I started to cut up some credit cards and put more money toward them to pay them off. My husband and I already have a home and I was putting extra money toward the principle. We are now looking to upgrade our home because we need more space. We will definitely be paying biweekly like you said. Thank you for giving me some great direction toward my and my children's lives.
Deeply Appreciative,
- The Mahoneys
|
|
|
|
|
January 26 2005
I'll be graduating from college (with some hefty student loans) soon, and now as I move into the "real" world workforce, I have a plan for my financial future. I'd never read a financial planning book before, so the only information I had came from my father (who, I discovered as I read this book, was just about as clueless as I was). I felt so confident after reading Bach's book, that I plan to give a copy to every family member for Christmas (including the men!)... I think they'd all benefit from Bach's sound and timeless advice.
- Reader
|
|
|
|
|
January 26 2005
I bought The Automatic Millionaire and took the Latte Factor Challenge. I was amazed to find that I spent 13 dollars yesterday on Latte factor items - little edible things I could really do without. Over the course of the month, I'm wasting hundreds and hundreds of dollars, which over a decade turns into a little less than an entire year's salary for me. I'm getting wise to this idea. Thanks.
- Tamara Schillin
|
|
|
|
|
January 26 2005
David,
Your coaching classes are great and I am proud of myself for the things I am doing right. I have been automatically saving $475 out of my paycheck for some time. I am paying extra on my mortgage and have been all along. I have also found ways that I can cut back from latte factor.
David, I think you are terrific. You have really helped and opened the eyes of lots of people in America, and by doing what you love, you are serving others, the Universe and yourself.
- Sarah Pollak
|
|
|
|
|
January 26 2005
I want to tell you that I saw you on the Oprah Show and you were so fascinating that I taped it and show it to my classes. I am a teacher in an Adult Education Centre where students are returning to complete requirements for their high school diploma or to upgrade their marks for admission to colleges and universities.
You are an inspiration. You are amazing. I went out and bought your book after your interview with Oprah and read it from cover to cover in two days. It makes so much sense, and you are so right. I preach the virtue of paying yourself first. I preach the virtue of sharing one's wealth with others less fortunate. It is wonderful that you included that chapter on helping others in need. Your book will take a special place on my book shelf, but I will take it in from time to time for my students to take a look at the book that could change their lives. Thank you for writing this wonderful book. I am sure it will change the lives of many who follow it.
- Chris Makhan
|
|
|
|
|
January 26 2005
Your book changed my life! I finally feel like I am in control of my life again financially. My finances were stagnating where they were. After reading your book I followed all your examples and implemented all of the principles you discussed (yes all of them).
I first set up a "Latte" pay yourself first account. I will increase this shortly to reflect the 10% of my income strategy. It is amazing how one squanders one's money on coffee and the like. My "Latte Factor" was $180.00 a month. This included buying lottery tickets. What a waste when you can actually create your own "lottery" in a few short years by following your book. The next step was creating an "Emergency Fund" which I am increasing to one year reserve. It sure gives one peace of mind knowing that you have emergency cash on hand. The next two steps really saved me a lot of money. I increased my mortgage principle amount by 10% of my bi-weekly payments. By the way I already had a 25 year mortgage. I did the same thing to my car loan. My combined savings totaled $31,310.94 over the next three years. I am going to increase this a bit more in a month or two. Not a bad return for a fantastic book that cost $29.95. (1045.44% return) wow! I also established a charitable donation account for a $50.00 per month withdrawl. I will increase this in the future.
Your book got me so excited that I was telling a few friends about what I learned - they kind of thought I was out to lunch. The best part of all this is that I set it up automatically and I now can relax without worrying about my financial future. This is the first time I felt that I am a lot closer to being a millionaire than I ever thought possible. Your book changed my life forever. I will not look on finances the same way again. I feel so much in control of my life now. I thank you for an interesting, informative easy to understand format. Well done Sir!
- Ross Nicols
|
|
|
|
|
January 26 2005
Hello, my name is Scott Rudy and I just purchased 'The Automatic Millionaire' book today after seeing David on the Oprah show a few days ago. I found the information that was presented on the show very inspiring even though I already knew about most of the information given. The problem for me and I would expect for most people is that they know what should be done to achieve financial security but they just keep putting off taking the necessary steps to get started.
When I first read the Latte Factor Challenge, I found that if my wife and I would quit smoking and I would stop buying food out of the vending machines at work, we would save $272 per month. Some months ago I had already stopped buying coffee at work and started taking my own. That alone was a savings of around $72 per month. The only problem that I see with that is I didn't invest the money saved and I just spent it elsewhere. If we were to stop smoking and I was to stop spending money in vending machines we would save $3264 per year and at a 10% return on investment, we would have $21,238 in just five years and $56,182 in ten years. "WOW".
I don't consider my wife and I to have a lot of luxuries. We live paycheck to paycheck. We are in our mid forties, and we are very worried about our future. We both have developed stress problems over our financial situation.
Thank you for the inspiration that you have given us and many others out there like us.
- Scott and Vicky Rudy
|
|
|
|
|
January 26 2005
David,
This email will in no way be able to express our feelings of gratitude.
Your book(s) took all of these divergent ideas bouncing around in my head, and gave me a way to organize and implement them.
We have been teaching “pay yourself first” for a long time. My story is: by paying myself first while working for the Marriott I was able to buy a home, a restaurant, and pay for my daughter’s college education.
Now we are broke again with very little debt and working very hard in the restaurant, but the Coaching Program has stopped the excuses as to why we can’t do it right now.
We are participating in the coaching program with my daughter Heather Kennedy, and our good friend and manager Teo Simu, who just recently purchased her home. Reading The Automatic Millionaire really pushed her to make her move, and as for me, we had a jump start since we were working through the workbook prior to the coaching.
There is too much to say to fit in this email, other than a big thanks…
Thanks!
- Tom Kennedy
|
|
|
|
|
January 26 2005
Bach has done it, Smart Couples Finish Rich picks up where Smart Women Finish Rich left off...an easy, lively read filled with tips that made me smile and laugh.
- USA Weekend
|
|
|
|
|
January 26 2005
I just wanted to say a big THANK YOU! The Automatic Millionaire is the most practical book on money that I have ever read. It made so much sense. We have always struggled with our finances and we have lived paycheck to paycheck for far too long. I read the book in one day and yesterday I opened my 401K account through my work. My husband was skeptical because we are tithers and have been for 11 years. When I told him that you had dedicated a whole chapter in the book to tithing he got very excited (because he could see my excitement) and said that it must have been God appointed. I plan on sharing this book with my family, friends and anyone else that I find out is having difficulty with their finances. I am so excited that we are going to be Automatic Millionaires! Honestly, I already feel like one! Thanks again!
- Melissa Kerr
|
|
|
|
|
January 26 2005
The mental relief of this program is worth an “extra ten years added to my life” due to less stress and worry. Financially this program will be worth probably an extra million dollars.
Now I can concentrate on my kids, my wife and other issues of the day without constant thoughts on money.
- Roger DeHoon
|
|
|
|
|
January 26 2005
David-
On behalf of myself and my future wife I wanted to thank you for making my life Automatic! My father has been trying to teach me about money for years, but I always thought it was too complicated or that I didn't have the extra income to make a difference. Little did I know that it was so easy.
I was a quarter of the way through the book when I was so moved by the "How many hours per day do you work for YOURSELF?" formula that I literally got up, went to my computer, and cranked up my 401k contribution from 4% to 15%! At the same time I also set up an additional deduction to my savings account for myself. My fiancée and I live the EXACT same lives as we lived before. However, our lives are richer knowing that there will be a pot of gold waiting for us at retirement. We're also looking to buy our first home next year and it makes it so much easier knowing that the money is there waiting for us to use.
This should be MANDATORY reading for every high schooler and college student in the country. The information is too good to pass up and it sure as heck beats Chemistry.
From the bottom of my heart...thank you. You've changed my life.
Sincerely,
- Chris Kesler
|
|
|
|
|
January 26 2005
Dear David and folks at FinishRich:
My Latte Factor for Friday, April 16 was: $10.55
A cappuccino at the gas station, which is less than a coffee house: $1.05
1 USA TODAY, I didn't put the newspaper as wasted Money, its important: . 50
2 Lotto tickets: You have to play to win. OK wasted: $2.00
1 pop/ chip/ candy at lunch, employee owned pretty cheap: $1.00
Dinner, why is Quizno's the most expensive sub shop?: $6.00
Total: $10.55
Obviously, I don't eat out every night, but several times I buy for a family of 4 and easily $50/week is spent on dining. I hate to lose the ability to dine out at least once a week.
I noticed that I spend quite a bit more than necessary at the grocery store. I used to clip coupons and save anywhere from $20- $30/week. This is a mixed blessing. If I end up buying things just because I have a coupon and it's on sale then I'm falling into a trap. However if I can contain myself to just those items which I need that are both on sale and/or I have a coupon I'll be better off. Sometimes I need to skip the top notch brand and perhaps buy the store brand.
I think I can find ways save a lot of cash if I become more disciplined. It won't be easy but I need to. And not just to put away for retirement. I already pay myself first. But I just bought a new home and payments are going to be such that it is going to force a restructuring of spending. We'll see how it goes.
- Steve Bono
|
|
|
|
|
January 26 2005
WOW, this is my story: My husband and I were at the depths of despair. We were DIRT POOR, so I saw your book on Oprah and returned some items I had purchased just so I could buy the book.
Here is the clincher, I ate out every single morning at McDonalds - it cost me $10.32 every morning just for breakfast, then I ate lunch out every day. This was usually about $10.00, then I would not feel like cooking so we would eat out for dinner at least five times a week. That was about on average $18.00, so this was about $1072.96 per month. This doesn't include the wasted money on food that went bad because I didn't cook it.
To top things off I went through all my reciepts, and let me tell you there were a million!! I spent about $200.00 a month on shopping sprees. Well this book has totally changed my life. Soooo after we get caught up on all our payments, first things first, we PAY OURSELVES then everyone else. Thank you David so very much for opening my eyes. I pray blessings on your ministry!!!
- Shellie Nichol
|
|
|
|
|
January 26 2005
I have eliminated some recurring charges like Netflix, which while quite convenient, was used only sporadically -- this is a $22.00 monthly savings -- $792.00 a year! I reduced my monthly garbage pickup charge by $15.00 a month. I've begun saving my $5.00 daily "latte" factor -- and I am re-considering selling my house and renting it while I travel for a year. I have also given your books as gifts to friends and their adult children. While I have taken specific steps to be an automatic millionaire what I am particularly excited about is my increased confidence in knowing that my money can work for me.
- Susyn Reeve
|
|
|
|
|
January 26 2005
David, Thank you so much for the inspiration you have given me.
- Rohanna Sykes
|
|
|
|
|
January 26 2005
I heard your radio interview in Charleston, S.C. and decided to buy your book. Immediately, I realized I was paying at least $60 a month for bottled water and going out to lunch. I went out and bought two huge water bottles and now I bring them (and a brown bag lunch) to work with me. I also called my church to ask about automatic tithing. They were as excited about it as I was. Then I started a Roth IRA. Thanks for the wake up call!
- Jen
|
|
|
|
|
January 26 2005
My daughter needed to go to the bookstore to do some research for a paper. While waiting for her, I began to browse around. Since being home from work with a medical condition, I knew that I needed to think/rethink about finances in my/our life. My husband is the bread winner and I have always maintained a small clerical job. But knowing I could do better, I purchased your book.
I purchased the book on a Tuesday and finished on Wednesday. I also grabbed a highliter and yellowed all interesting sentences. The whole book is highlighted. We have 2 daughters, ages 19 and 21. I will stress to them exactly what was told to me 40 years ago, when I did not listen because of the way it was told to me. I'm now 49 years old and reading "pay yourself first" in your book, and now it sinks in. The book will be given to my daughters for gifts. Thank you.
- S.E. Gordon
|
|
|
|
|
January 26 2005
I recently read The Automatic Millionaire and Smart Women Finish Rich and I am totally motivated to get my finances in order. I am 28 years old, married, and have a 2 year old son. In my family I am the one that usually make the decisions on money issues and I realized that all of my decisions have not been smart, and through your books I have learned from my mistakes. My aha moment occurred when I took the finance quiz and I scored a 2 or 3. There was a lot I did not know that I needed to know. I now have my finances filed the way you suggested in SWFR and I feel so much better. I met with my financial planner and was able to ask intelligent and informed questions. I felt that I was in control of the meeting and sure that my needs would be met. I even brought the two books with me to the meeting and showed the advisor how I needed my 403b plan reallocated. I am also getting more life insurance, in the process of getting disability insurance (owner-occupation), calling my lawyer to devise a will, and I opened a mma to start my rainy day fund.
I am so glad that you were on Oprah! You and the success stories have definitely changed my life and my family's life for the better. I am also in the process of bringing my stubborn husband:) along for the ride. There is so much I could write but I just want to say thank you, thank you, thank you for sharing your knowledge with the rest of the world. I know from this day on my life will be different because of my new knowledge.
- Nadirah
|
|
|
|
|
January 26 2005
I purchased your book, The Automatic Millionaire, recently and hope to finish it tonight. Actually, I am so excited. I have always been good with my money, but after my divorce a few years ago, the job of managing my money became ALL MINE, and I am having fun watching my money grow.
I know what you mean about the coffee's, lunches, lottery tickets etc, all adding up. I never got into those habits so for me, I have to look a bit further as to where I can cut back. I spend money in the dollar stores, but in the long run, I really save a lot there, especially on the 50 cent greeting cards. As far as clothes, I am in desperate need of new ones, and I make excuses NOT to spend the money and try to revamp new outfits by changing the "tops" with the same black "slacks".
I have created a decent portfolio for myself, something I never had before. I have mutual funds, laddered CD's, a few money markets for the emergency fund, 8 months of living expenses, own my own home with no mortgage, recently started Vanguard Funds, no load, unlike my American Funds, and have IRA's for the past 5 years.....so I have come a long way and I am proud of myself. I am currently automatically investing in the Vanguard Fund out of money I recently inherited, hopefully dollar cost averaging. Thanks...hope I win a mug!!!
- Gloria
|
|
|
|
|
January 26 2005
David,
I will never be able to thank you enough for the changes your book and program have brought into my life.
My name is Teo Simu, I am 25 five years old and I work in a restaurant called Zigs bar and grille. My boss Tom Kennedy, his daughter Heather and I are enrolled in your coaching program. I have just purchased my first home, and because of you I paid a Lehman Brothers BK a fee of $195 and automated my mortgage payments to weekly, instead of monthly. I will be able to pay off my house in 21 years instead of 30, and save over $50,000. I have automated all my bills, have the filing system in place, have a Roth IRA, I got my credit card company to lower my interest rates, and I am working on paying off my debts.
The amazing part is that three months ago my life painted a completely different picture. Thanks to you, for writing the book, and thanks to my boss, who encourages me to grow, now I am in much better shape than most people my age. And I work in a restaurant!!! I am on my way to becoming a millionaire, and that is awesome.
Thank you,
- Teo Simu
|
|
|
|
|
January 26 2005
I have never read any of your advice but I am halfway through the The Automatic Millionaire and I really like it. I will be sharing this book with my wife when I am done. It is simple enough to read and keep someone's attention, and that is very important.
I own a successful medical equipment business and honestly I have heard for a long time that I am very good with money, but recently I have found myself purchasing and spending money that I would normally never spend. I think I started getting caught up with "keeping up with the Joneses." I contribute all that I can to my 401k and Simple plan but after reading your book, I have decided to include my wife in the retirement plan as well. I also have emailed my financial advisor/broker and asked him to set me up with an additional $250 a month auto pay towards some kind of conservative investment such as a mutual fund. This book has allowed me to refocus on the things that are important in saving money. I am always concerned with the "rainy day". I purchased several copies of your book and I am going to give them to some of my employees that I think can benefit greatly from it. I will keep your book in a library I am starting at my office so that anyone has access to it. Happy employees are good workers and I have many that live paycheck to paycheck even though they are making very good salaries. Again, the length and material in your book make it easy to read which will ultimately help a lot of the people that really need it. I appreciate your ideas and thank you for your thoughts.
- Rick Staab
|
|
|
|
|
January 26 2005
I just want to say how much I enjoyed your book. I bought it last night and read it every chance I had during the day and just finished it. I have read many other books over the years on investing and yours is the most straightforward. I also like the idea that your's was based on lifetime, not in 6 to 8 months.
Your book has inspired me to tell others about how to set up the automatic pay yourself first. I am a Police Officer with the City of St. Petersburg. Our city has two different deferred compensation programs that we can join at any time. This was never told to me until I was on the department for 10 years. I had my own mutual fund savings where I was putting 10 percent away but I was paying the taxes on it right away. When I found out about the programs I signed up and have been increasing my deductions with every raise I get.
We are currently hiring a lot of new officers, and after reading the book I have decided to put some of your ideas together for a 15 to 30 minute class for the rookies on how to make investing AUTOMATIC. I wish someone had done this for me when I came on. I will also encourage everyone I talk to to get your book and start to apply what you have written about. Thank you.
- Richard Thomas
|
|
|
|
|
January 26 2005
Wow! I saw you on Oprah and immediately purchased your book. I increased my 401K contribution to 10% today (from 5%) AND automated most of my bills and charity!
What is my coke and candy factor? Out of this world! Stop by McDonald’s to get a biggie coke at $1.50. Can’t just get a coke, buy large fries at $1.50. Work from home, so at lunch go to the grocery store to “see” people, leave with $10.50 of non essentials…cookies, expensive lunch, coke ($1.19/bottle). I’ve spent $13.00 and it’s only 11:30 a.m.! Mid-afternoon slump, let’s go to the bookstore and grocery store. Have lots of food at home for dinner, but spend another $11 on steak and A1 sauce.
Last night reading your book was definitely the AHA! moment for me. I have credit card debt and the “should” pay this and that first was ringing in my head as I filled out the new 401K. I still faxed it off to my HR department first things this morning! It will be a little “tight” for a while, but it will be worth it! As I watched QVC today (fashion day, don’t you know?) every item that tempted me was greeted with my brain saying: “that’s two hours of work, or 4 hours of work. That’s not worth it!”
Thank you and Oprah! My life is about to change.
- Gina de Groote
|
|
|
|
|
January 26 2005
Smart Couples Finish Rich teaches women and men to work together as a team. Powerful, yet easy to understand and fun to implement. The entire family can benefit from this great book!
- Robert T. Kiyosaki
|
Previous 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 Next
|
|
