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October 9 2007
I've never been big on spending $3 on a cup of coffee, but I did figure out my Latte Factor a few months ago. My hobbies as a artist and 'tinkerer' were causing me to live paycheck to paycheck. An old technical manual here, electronic components there, or a really good deal on older electronic and mechanical gear that 'just needs a little work'. After voraciously reading your books I tracked what I was spending and I was shocked! I was spending sometimes more than $75 a week on junk! I had had enough.
So now I sell all my parts on eBay that I was saving for some odd project I was probably never going to finish anyway. I haven't bought a single resistor or hardware item for two months and instead divide it between my IRA and money market fund. Now I am feeling a lot better about my future with the my IRA growing every month and my first down payment becoming reality sooner than I thought. I also gave Smart Women Finish Rich to my niece who is just starting college telling her if she follows this book she will never have to scramble for money like her crazy uncle did!
David,I can't thank you enough!
- Bill Burnard
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October 9 2007
Dear David,
I first want to thank you again for having the teleconference and taking my call last evening. It was inspiring to listen to and take to heart the advice given. I can personally testify that following the steps laid out in Smart Women Finish Rich changed my financial and personal life for the better.
My FinishRich story started in February 2007. I was very sick and stayed home from work. That day, the Oprah show was a rerun of the Debt Diet program. I watched it, I was inspired by the stories there, and in your personal coaching of the Eggleston Family. It made me stop and reassess my life and financial situation. In May 2007 (just 6 months ago!) I bought your books, "Smart Women Finish Rich" and the "Finish Rich Workbook", borrowed your other books ("Automatic Millionaire," "Start late Finish Rich", "Smart Couples Finish Rich", "Automatic Millionaire Homeowner") from the library, and read all 5 of your books in one weekend. I was hungry for financial guidance and knowledge, and your advice and common sense approach struck exactly the right chord for me.
I began changing my life and my behaviour on May 22, 2007. In the six months since then, I have:
• Increased my 401(k) contribution from 5% to 15%, with a goal (written down!) of increasing that to 20% on January 1, 2008
• Opened a Savings Account, earmarked for a downpayment for an apartment, with an automatic 5% of my net pay distributed to it monthly(once my debt is paid off, this will be upped to 10% or more until I reach my goal)
• Opened a separate Savings Account for my Rainy Day money, with an automatic 5% of my net pay distributed to it monthly (once my debt is paid off, this will be upped to 10% or more until I reach my goal)
• Taken my bonus money and my IRS refund and applied the entire amount to paying off debt ($5,500!)
• Given myself a cash allowance of $140.00/week ($20.00/day) as walkaround money for food, entertainment, etc., thereby helping me to keep to my savings goals
• Negotiated all my credit card rates down and use your DOLP system to keep the debt reducing
• Written a will
• All my financial paperwork in one place, organized and easy to use
• Written down my 1, 3, 5 year financial goals
• Worked on my Values Ladder
• Written down my top 50 dreams
• Written down a list of all the people and things I love and am grateful for
• Asked my boss for a raise and a promotion. We developed an evaluable plan and I am being re-evaluated in January 2008 (wish me luck!)
As I mentioned, I lost my job 5 years ago. I was out of work for a year and a half and accumulated almost $50,000 in debt. Although I was able to get freelance work, it really hit me that I had nothing in savings to draw from for this life crisis. I made it through and realized I would never be homeless or hungry as long as I could work, but it strengthened my resolve to try and be smarter about the way I earn and use my money.
Your books and advice have helped put me on the right path to meet that goal. I am building savings and reducing debt.
For the first time I see very clearly my financial future, and what’s possible – and it seems the possibilities are limitless.
Until I can meet you in person and shake your hand and give you my heartfelt thanks, I thank you here, very sincerely.
- Kelly Hong
New York, NY
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September 25 2007
Hi David--I discovered your website yesterday and was so excited that I went to the library and checked out your book The Automatic Millionaire. I also printed out nearly every free chapter on your site that I could find. Reading those got me more excited, then I downloaded your podcasts and those plus your book and your samples pushed me over the peak and finally motivated me to log onto Vanguard, which manages the profit sharing/retirement plan where I work, and to set aside an initial 5% pre-tax income into my retirement account. (I already set aside 3% in stock, and my employer contributes around 10-15% annually for profit sharing.) We have also taken steps to start the home purchase process in January, after 15 years of renting apartments. As soon as I get done here, I am going to take some of the money which I have received for my birthday and purchase "Start Late, Finish Rich" AND "The Automatic Millionaire Homeowner" as gifts to myself and my family. After years as a complete financial ignoramus, earning a low income, I finally see it coming together. My wife and I are now taking stock of our "Fast Food Factor" (which costs us around $250/month) and are supporting each other in severely cutting back there. Thank you for your infectious enthusiasm which has finally taken the drudgery out of financial planning and made it FUN!
- Terry Foraker
Valley Park, MO
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September 25 2007
This is an update to the success story I had published in the updated version of Smart Women Finish Rich published in 2002. In my story I had said that I wanted to go back to college to become a financial advisor and now, 5 years later, I am finally doing that. I left Bloomington and the more expensive Bloomington campus of IU and moved to Indianapolis to enroll at Indiana University-Purdue University Indianapolis which offeres the same curriculum for less money. I am majoring in Accounting and Finance with a minor in Forensic Accounting and plan to work as a financial advisor when I graduate. It's been a difficult road to get to this place, and even now I am working full time (and still contributing 7% of my pre-tax income to my 403(b) and 6% of my take home pay directly into a high-yield money market account!) while attending school full time, but it is so worth it! Thank you, David, for helping me find the courage to do it! I never could have done it without your book!
Thank you again,
\
- Katie Killian
Indianapolis, IN
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September 25 2007
I am about to cry I am so happy. I finished your book last night and I thought I need to do one thing today. And, since we are in the middle of building a house I was thinking about our duplex. Today, I called to see about adding $60 a month to our mortgage payment. (We have a 1st and 2nd - the 2nd has an interest rate of 10.8%) Just the extra $60 a month applied to the principal, I cut our payment by 18 years! We bought the duplex in January, 2007, so my goal is by next year this time, I will be paying more until that 2nd is paid off and then starting applying the same or more on the 1st. This is only day one after finishing your book and I'm just getting started. Thank you so much. You have reinforced my goals and I really will and do sleep better knowing my dreams will come true. Thank you again for sharing and I look forward to reading all of your books.
Very grateful,
- Nichole Brower
Livingston, MT
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September 25 2007
Since reading "Smart Couples Finish Rich" I've been working hard at organizing our finances. In just six months we've paid off all credit card debt, built our cushion account and set up our living trust. I even found some "hidden" treasure - insurance companies that gave us stock shares due to "demutualization" back in 2000/2001. We've never received statements or updates and were unaware we owned this until I got our paperwork organized. Over $9000.00 in stock was found!
Everyone should check if any insurance they've ever held has "demutualized".
Thanks for your books and your advice on Yahoo! finance.
- Nona Kloecker
Glenview, IL
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September 13 2007
My work commute is 10km (6miles) each way; I am a ultramarathon runner; on nice days I bike; on rainy days I walk or run - at least one way - (I can't always run because there are not always showers avaialable at work). This saves me anywhere from $130 to $60 a month!!! And my training for my ultra's is incorporated in my daily schedule!
I just started reading your book and for the first time in decades I feel optimistic about my future!
Your newest fan,
- Sylvie Jorger
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September 13 2007
David,
First and foremost I would like to start out by saying thank you from the bottom of my heart for introducing me and millions of others to "PAY YOURSELF FIRST".
I was watching the Oprah show and you happened to be on and I was really inspired and motivated to follow your game plan of action.
I have listened and read all your books along with many other financial experts and I have to say that I really feel very confidant in my financial future.
I would like to share my story with you and your readers.
I’m a single 26 year old women that has followed your motto since I was 20 years old.
Now keep in mind that my income has been between $30,000 - $38,000 per year, so this can be very achievable but you have to make some sacrifices along the way.
So at the ripe age of 21 years old I opened up a 401K account at my company and each paycheck was taking out $50.00 along with my company matches and each pay raise I would gradually increase it more until recently paying off my car, now I’m able to sock away 15%.
Following your strategies at 22 years old I was also able to purchase my first home back in 2003, I was fortunate that at the time the market was still affordable in the Orlando area. I purchased a 2bd 2bth condo that has already doubled in value. I plan on owning my home out right in the next 10 years.
Some people think that because their young that it’s impossible to save for a home and to save for retirement in your early twenties but I am living proof that with some determination, motivation and making some small sacrifices such as not wasting your hard earned money on frivolous things you can change your family tree and have a very bright and prosperous future.
One more thing... This is for the ladies.. Ladies don’t count on prince charming to come and rescue you! - (I think there’s a book out on this).
Be empowered to live the good life now and in your golden years! I have spread the word to all my family, friends and even strangers!
Thank you very much for your words of wisdom!
God Bless You and Yours,
- Vanessa Creado
Orlando, FL
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August 24 2007
I started to read "Smart Women Finish Rich" back in 2003. At that time I had an IRA that wasn't invested, no savings, four credit cards, living month to month and had just come out of a long period of unemployment. I was working fulltime and doing school fulltime and was accruing debt from school.
In four years, I was able to grow my IRA from 500 to 5000 by 2007 (not including my 401K). I opened an interest free checking account at the same place my IRA was at so I had no minimum balance to meet and fees were waived. I got my cards down to two cards so far. I consolidated some of my debt using my car loan as my car I paid for most of with cash. I lowered my car insurance by combining my insurance policies with one carrier. I started to establish a savings plan and I even invested in some CDs. I lost my job last December and I was gratful for the money I had saved so that I could survive. I then found a job making 11K more a year - simply by sking for it. I am still having to regain territory I lost from being unemployed, but now I know what to do.
Although the amount of debt I still have can seem overwhelming, I know I have made progress. I have found a ton of ways to save money such as getting my magazines subscriptions through airline mileage programs, free movies and books at the library, making my own latte's, utilizing all the employee programs at work, and even a website where people exchange "time bucks" where you can, for example, write someone's resume, get 15 time bucks and then exchange it for someone else fixing your car stereo for free.
I learned all these things because of you and your books. I learned about stocks and all the financial lingo. I joined the NAIC. I got a free subscription to the Wallstreet Journal. I could go on and on.
Now I am empowering others to do the same. I send out information with the link to your website to friends via email. It is important for women to know how to invest!
Thanks for helping me get on the road of success.
- Aimee Montgomery
Bothell, WA
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August 24 2007
Hi David,
My mother gave me your "The Automatic Millionaire" book a couple of months ago. Last night instead of going out with some friends I decided to stay in and save some money. I noticed your book on my shelf and said to myself, 'what the heck, I can't watch Sportscenter again!"
After only reading the first 2 chapters, I was already thinking of ways to automatically increase my savings. When I woke up I knew what I could do and immediatly went to the computer.
My company offers a 401K match which I contribute too. They match 50% of my contribution up to 4% (basically a 2% match).
I decided to increase my contribution to 6%. A very small step indeed. However, using your Latte Factor calculator this will increase my savings by $220,000 in 30 years and that doesn't include any salary increases along the way.
Thanks for the motivation and I can't wait to finish the book!
- Francesco DiPaolo
Fort Mill, SC
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August 24 2007
David,
The FinishRich series has already begun to change my life. My latte factor was a bit more difficult to find as I work from home remotely so I don't really spend 'small' every day.
I searched and searched and then realized that hey, I'm an impulse buyer. Trips to Best Buy, or Costco or whatever would add up.
Along with taking your advice on increasing my monthly contributions to thr RSP account, I have set up two online savings accounts. One, transfers $350 a month automatically. Once it is out of my chequing account, I forget about it. The other, is my online "impulse latte savings". Whenever I get the urge to spend my money on something, I stop, think and decide whether I really need it. If I don't, I take the money O WOULD HAVE spent on it and toss it in my latte fund.
It's fun to track what I WOULD have spent in a high interest savings account rather than just leaving it in the chequing account. This way, I physically move the money out just as if I had bought something.
It REALLY works.
Thanks - I look forward to finishing rich.
- Joe Ragona
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August 24 2007
Hi David,
Just finished reading The Automatic Millionaire, and I have to say it was a great read. Right now I contribute less than 10% of my income in our 403(b)plan. I'm going to increase it by another 5% and I just opened up an IRA account,because of the book I'm also eating more at home too. Just wanted to say THANK YOU!! NOW, I'm ready to purchase THE AUTOMATIC MILLIONAIRE HOMEOWNER book.
- willie morales
New York, NY
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August 24 2007
David, I am reading your book, "Start Late, Finish Rich", I've also read "Smart Women Finish Rich" I have gotten an awful lot out of both books. But, I just completed the Double Latte Factor Experience and though I know I spend a lot of "extravagant" things, I did not realize that with just lunch, cell phone, cable/internet, land line and dinner I am spending close to $10,000 a year and that isn't even adding in any the 10% annual interest I could be earning if I were saving this money. That has totally taken my breath away. I may not be able to cut out all of these things, but, I have already lowered the monthly cell plan and got a pretty good land line phone plan. And, I am brown bagging lunch more that one time a week and dinner, well, I can cook dinner at home for myself, I love to cook anyway. I am a single 40 year old woman. I am living on my own and I make pretty good money in California. I have always been a spend thrift, but since reading Smart Women and now this book, I am becoming a little more money wise. My boy friend is living on the East Coast and I told him that one reason I don't want to get married is that my finances are a mess. Thanks so much for your words of encouragement in your books, that even if I never marry, I will be able to take care of myself and the baby I am planning to adopt and not rely on any man. I was speaking with a good female friend (30 y/o) today and we agree that as women we need to invest in real estate (soon) and we need to really think of saving for retirement. This book, all your books seem to be great motivators. Thanks and keep up the encouraging work!!
Mary Speight
Lancaster, CA
- Mary Speight
Lancaster, CA
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August 24 2007
David -
I first read "The Automatic Millionaire" in 2004 when I was preparing to teach a class about the benefits of contributing to a 401K. What began as research quickly turned into my passion - becoming mortgage-free. At the time my mortgage stood at $174,000, and when I looked at the past 4 years of payments I couldn't believe that only about $3,500 had come off the original note. I was determined to pay it off completely. For 3 years my husband and I submitted extra payments per month while also putting bonus checks right on the principle (rather than blowing bonuses on a new car or a vacation). At the same time, I left my corporate job that I hated and started my own business so that I could spend more time with my kids who I barely saw due to commute time and travel for work. Surprisingly I found that cutting back on little things made it possible for me to work 20 hours per week, and we didn't even notice a large impact on our lifestyle. Today I made the last payment on my mortgage, and I'm only $38K away from being completely debt-free (and we own 2 fairly new cars and a new camper). My daughter enters school this fall, and I was so delighted to be able to choose a local private school for her, as I do not have to worry about where the tuition will come from. In addition, I feel more confident about investing and making my money grow now that debt isn't weighing me down. I would not be in this position today if I had not stumbled across your book and put your methods to work, and it has changed my life. Thank you David.
- Tina Thompson
Bourbonnais, IL
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August 21 2007
My name is Jerry and I am a 60 year old Life Skills instructor at an Iowa State Prison. I was introduced to your book "The Automatic Millionaire" through the preselected curriculum for the class. I have since changed my financial life by starting a mutual fund of $200 per month in addition to the retirement fund available through my employer. I have never saved as I should have so am changing that now so that I may live a more "relaxed" retirement.
Your book has been an inspiration to me and my wife. Now for even more exciting news! I have offenders in my class(es) that are so excited about your book that they requested me to bring in an investor from a local bank and one student has already entered into a 401K and another is about to do the same. You see, having some financial backing is of extreme importance to getting out of prison and staying out! To go even further I have other offenders involved in this type of thinking and have inspired a "lifer" in our prison to start-up an investor's club. He just informed me this morning that he may have as many as 60 men interested in the club. This has the Warden's blessing and is really catching on.
I read your email newsletter to my class each month and then pass it around for each student to read at their own pace. Of course, The Automatic Millionire is read at each class and a great deal of discussion ensues. For the older offenders I offer "Start Late, Finish Rich" as an additional incentive to invest in their future!
Any encouragement you could offer to the men in my classes would be greatly appreciated and would help to further motivate them it continue planning for and improving their financial futures!
Thank You So Very Much For All That Your Writings Have Done For Me And My Students!
Respectfully,
- gerald waldrop
Lake View, IA
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August 2 2007
May 17th 2007, I retired at age fifty. Health reasons? Absolutely not. I never had ONE sick day in my entire 35 year career. I am a millionaire. I paid myself first. Know what? I have IRA savings equal to my life earnings. (The Secret? Compounding).
I agree with David Bach's pay yourself first concept. Budgets are not the way. Yuck. No fun. My spouse and I just agreed on a split of the expenses, he had his money, I have mine and we live well within our means and enjoy life.
I went to the library today to research some books on investing and find David Bach's DVD Pay Yourself First and come home to find him on TV.
I can tell you the pay yourself concept works. I did it. On very limited income.
How did I do it? Started saving early. One of my friends in college was a doctor\'s son. He got me interested in Gradison Cash Reserves. Then, as an employee I put money in GMAC demand notes. When I had enough to diversify, I began with GE stock and some mutual funds.
Always put the maximum into 401K plans and got the employer match. Always rolled over to IRA when left employment. For many years I saved about 33% of my income. Yet I had enough cash so I never bothered to balance my checkbook. Last year I set up to contribute $20,000 maximum in 401K as well as $5,000 maximum in Roth IRA. We never paid interest, we earned it.
We paid cash for our retirement home (on private airport), cash for both car/truck.
So David Bach, now that I am a MILLIONAIRE..that was very EASY...
Central Florida
- Linda Spears
Ocala, FL
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August 2 2007
I first heard about "Finish Rich" when I checked out the book How to Start Late...on CD at the library. I listened to it over the period of two weeks while traveling for work. I was amazed at how I could relate so much to the information. My Latte Factor has always been a huge problem for me. I have made excellent money but nothing to show for it. I have made many changes as a result of listening to the CD's. Thank you so much for the help. I will continue to make the necessary life changes to pay off credit cards, pay off my mortgage sooner. I just finished setting up some automatic payments on my bank online bill pay! How exciting!
- Karen Bostick
Lubbock, TX
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August 2 2007
Thank you so much for your fabulous books. I've read the Automatic Millionaire Homeowner, Start Late Finish Rich, and the Automatic Millionaire Couples workbook all in the last 6 months. Since then I've loaned them all to friends and family. Although we are not 100% where we want to be, my husband and I are making huge progress towards our goals. We even (finally) updated our will.
Our biggest "latte factor" has always been food. Since reading your books, I have committed to cooking at home at least 6 nights per week. My husband has started taking his lunch to work every day and I have stopped my frequent McDonalds trips with the kids. I've also started using nap times to compare prices in the weekly fliers, so my grocery bill has gone down! That was an extra $500/month!! We have been using that money to fast track our emergency savings. We have just hit our 3 month cushion.
I've also been looking for an "out of the box" way to bring in extra money (per Start Late). I found out today that by working even part time at my son's preschool, I can get free tuition for my kids. Once my daughter is old enough to start (in January) I'll be applying for a position. That would enable me to make money and save money at the same time.
You have really inspired me to start looking at everything I do with my money, and recognizing that each choice I make today can really influence my tomorrows. Thank you so much for opening my eyes!
- Angela Harper
Vail, AZ
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August 2 2007
Dear Mr. Bach, I just wanted to extend my sincere thanks for all of your financial guidance in your various books. I have read three of your books thus far and adopted the procedures recommended therein much to the benefit of my family's financial well being. So thanks again for taking the time to share your wisdom. Continued success in both your personal and professional endeavors.
- Joshua Girton
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July 26 2007
I would like to start out by saying that I LOVE all of your books. I first read "Smart Women Finish Rich" as a recommendation from my best friend who thoroughly enjoyed this book herself. I moved on to "Smart Couples Finish Rich" and am almost done with "The Automatic Millionaire".
Mr. Bach, your book is the FIRST financial book that I could not put down. I usually read through a couple of chapters of other economical books and get lost in the terminology. I work as a head teller for a local east coast bank and never quite understood some of the products that institutions offer until I read about them in your books.
"The Latte Factor" has really helped me in reducing the amount of money I spend on "small things". I have always been a saver. I started working at the age of 15 and always saved at least half of my paychecks. I had no bills and was able to save $25,000.00 in savings accounts and certificates of deposit. At the age of barely 22 I bought my very own townhouse. Now four years later it has almost tripled in value and I cannot believe how much equity I have!
I try to motivate others into saving their money. Most of the reactions I get are the same as you talk about in your books. "I don't make enough money to be able to invest." etc.
I read to them the section on your "Latte Factor" and most of the time you can see the light bulb go off. It's as if people don't want to even think about their finances because it causes them so much stress.
I want you to know that I am out here in the real world "singing your praises" and doing my best to share my experiences with everyone I can.
Thank you for letting me share my story with you. I hope to hear from you soon!
Thanks again!
- Erin Kelly
Baltimore, MD
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July 20 2007
Success is sometimes measured in small steps. I just started listening to your books on Audio at work. I am a pretty frugal person; I don’t eat out or smoke or make un-necessary purchases. I buy my clothes at Resale stores and clip coupons and price check every thing. After hearing the first chapter of your book I was afraid that I found another book with great advice for every one but me.
When you started talking about cutting unnecessary expenses I thought “this is just another dead end” but I kept listening. The Double Latte factor was the answer for me. My husband and kids would never speak to me again if I got rid of the Cable all together, so I called and spoke with the Cable Company and told them that I needed to cut my cost by loosing some of the extra movie channels and extra stuff. The representative tried the old “but it is only going to save you $6 a month to cut these items”. I got pretty up set and told her to just turn off the whole thing, (I would face the wrath of my family when I got home) When the representative saw how upset I was, and that I was going to cut it off completely, she changed her tune. She said “let me look at some things and see what I can do to try to save you a little money”. She said that she could cut my bill from $89.00 a month to $65.00 a month by giving me an “In house discount”. I said “can you do that” she said “sure, we do it all the time” The discount of nearly $25.00 will be for 1year saving me $300.00.
Tomorrow I am calling my Cell Phone Company to see what I can cut there.
I can’t thank you enough for giving me hope
Best Regards,
Future Millionaire Homeowner
- Carey Taylor
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July 19 2007
David-
It has been about 1 and 1/2 years since my wife and I first listened to you. Since then, we have paid off nearly...$17,000 in credit card debt as well as paid for our own wedding (nearly $11,000). We have purchased our first home together and currently contribute about 12% of our salary to retirement. We are building our emergency fund at current. As we returned from a recent vacation, we laughed at how stupid we had been. A year from now, we will have over $12,000 in retirement savings and over $5,000 (I'm 27 and she's 25). Thanks for helping us take the steps necessary to become financially secure!
Jamie and Sarah
Blacksburg, Va
- James Garst
Blacksburg, VA
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July 19 2007
David,
I was able to get 1 of my 3 credit cards interest rate cut in half from 29% to 15%. I also got the other card with 2 months interest free. I had a late fee taken off as well. I have always paid more than the minimum. I have paid one card off entirely! I used your DOLP system to accomplish this. I found my latte factor and I was renting, but am now seeking to purchase a home. Thanks a million!!! I have been a tither for some time also.
- jessica demby
Jackson, MS
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July 17 2007
I bought your book, The Automatic Millionaire today and just finished reading it. I am feeling such a sense of control and relief now! My husband and I have credit card debt and I've been feeling like I was drowning!
We used to have a very different financial situation. Then, through a series of job changes and layoffs, our savings dwindled, and finally evaporated. We began to supplement our income with credit cards. We have a 14-year-old son with Muscular Dystrophy and the expenses associated with that condition add up. We also have 3 daughters and college expenses to worry about. I am a former bank officer and I am ashamed that I haven't managed our money better. Neither my husband nor I are financially disciplined. We've tried elaborate budgets before and we've tracked things on Quicken, but nothing ever stuck. We did cut up our credit cards and closed our retail store credit accounts.
Your book is the first financial resource I've ever read from cover to cover. Your recommendations are so practical and easy to follow. I really feel that we will be able to dig our way out of this mess. My husband is 52-years-old and I am 42. I have been so worried about retirement....I so wish that we had implemented these steps years ago. I am going to order copies of your book for our three daughters...I cannot imagine a more valuable gift to them than to have these tools now, while they are in their 20's. Thank you so much for writing a valuable, potentially life-changing book!!
- Tracie
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July 11 2007
I'm a single parent and have been since high school. When it came to the simple facts about spending money I was lost. While growing up my mom was a single parent too, so she never had savings and she couldn't even think of a Dream Home. When my son turned about four I thought I was going in the same direction. I was tired of the same hampster wheel and no energy to keep going. That winter I bought your book "The Finish Rich workbook". And it has been a Dream ever since! I have changed everything! I have cleared up my credit, started a budget,Roth Ira, and even a savings plan for My Dreams. I cant begin to thank you for your sharp wisdom! I have made a plan, and it feels GREAT!!!!!!! Thank you for sharing your wisdom! My son is nine now and everything that I have learned I am teaching him! the "latte factor" is a great place for him to start! (junk Candy everytime we go to the store!)
Thanks again,
P.S. I bought my family your book and a blank "Dreams List" attached, for Christmas!!!!!!!
- Heather Shipe
Phoenix, AZ
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