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April 23 2007
Hi David,
I've brought two of your books. The Automactic Millionaire and The Automatic Millionaire Homeowner.
Yesterday I had the pleasure of watching you speak at the Learning Annex Real Estate Expo in Philadelphia. I had the opporuntity to meet with you after the show. I want to thank you for taking the time to sign books and shake hands with your fans.
This spring I worked at CPA firm during tax season for a internship for school. While my Gross Wages was 5,000 dollars I saved 2,100.00 dollars because of paying myself first and putting into a saving account and looking to put it in high interest yeild saving account.
Your book and seminars were amazing. I want to thank you.
- Bruce Caulder
Prospect Park, PA
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April 23 2007
I had already figured many things before I got hold of Automatic Millionaire book. I consolidated my remaining two credit card debts, total 3.100, with a personal loan of 3.400. So, I got my interest rates down from 12% regarding the credit card debts and for some reason bank also decreased my personal loan interest rate from 6,7 to 5,1 (and I didn't even ask!). I am debt free within a year. My cash flow has improved significantly, I have increased my monthly savings and I can afford extra surprise costs without having to a credit card.
Now that my annual interest rates and other card related costs have gone down I use that extra cash so that 50% goes to extra savings and 50% is used for extra payments towards the personal loan.
I have plans for the near future once all the debt is gone and am already enjoying life better. I switched back to commission-based work because now my financial situation can tolerate income highs and lows better than before and in total one always makes better money with commissions compared to fixed salary.
- Sara Rose
Detroit, Michigan
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April 23 2007
Dear David,
Im only twelve but read your book because of a recommendation and completion bonus from my dad ($20). For about the last year he has been reading money books and magazines and encouraging me and my sister to also.
After reading your book I was inspired to take the half of my allowance I was not already placing in a savings account towards retirement. Your book also inspired me to discuss finacial plans with my dad and look further into stocks.
The self employed section and the latte factor really hit home. The self employed part because after completing college I plan to start my own bussiness and am glad to know that two can allow my retirement fund to vastly grow. The latte factor really caught my attention because I watch people and also personally waste money on unneeded items.
Thanks to you I am already looking towards my future and further investment. Thank you.
Sincerely,
- Colten Fox
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April 16 2007
I wish when I was growing up I had had a Grandma Bach...
I wish when my daughter weas growing up she had had a Grandma Bach...
The good news is my sister introduced your book Smart Women Finish Rich to me a few months ago.
When I was in the Dallas Airport I purchased Start Late Finish Rich... BEST $16.00 I have ever spent.
Would not put it down until I read it cover to cover.
I just bought Smart Women Finish Rich and the Workbook for my 25 year old daughter. We just finsihed DOLPing her credit card debt.
David thanks... she now has a goal and a light at the end of the tunnel which does not have a train attached to it!!!
We are working on her latte factor(s) now.
As for me... I now have a plan to become a mentor to young women by helping them understand the three kinds of people that go to McDonalds. Those that work there, those that eat there and those that own.
- Gina Owensby
Brunswick, GA
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April 16 2007
It was costing us about 70 for three months of trash pick up service. I told my husband to start taking the garbage to the dump. It now cost us about $10.00 every three months, a savings of $60.00 for three months or $20.00 per month. The biggest savings was to cut out my cell service from $100. + per month for minutes that we were not using. I cut my phone down to the emergency call rate of $10.00 per month and my husband’s service to a pre paid plan that averages about $20.00 per month. This now is saving us $70.00 per month. I cut down on the cost of satellite T.V., a savings of $15.00. I also cut and color my hair saving $240 every three months or $80.00 per month. Now I have saved $224 a month. Now I put it on my retirement account. Yea!
- Linda Russo
Crescent City, CA
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April 16 2007
Less than six months ago I found myself depressed and frustrated with my financial situation, work and personal life. I woke one morning so depressed and frustrated that I called off of work in hopes that the time off would help in some way, but I didn’t know how it might help.
After I called off of work and then headed to the book store to “browse” and somehow forget about my life for the day. That is when I saw your book Start Late, Finish Rich “yeah right” was my thought at that time. I’m 45, a single Mom with NO savings, in debt, living paycheck to paycheck, no home of my own and a car on its last leg. However my will to be better and have more had more power than my sarcasm and I purchased the book.
I returned home and began to read. I read the entire book that day! I found my Latte Factor, and started putting that money aside. The biggest thing I did was to return to work the following day and ask for a raise! This took courage on my part as I have never done anything like this in the past. I amazed myself. When I asked for the raise my boss was kind but said that he was unable to give me a raise as I already “made too much”! I told him I did not know whose check book he was looking at for those numbers, but I understood his situation. I then surprised myself again; I gave my notice. I told my boss that I understood where he was with giving a merit raise and that I was sure that he would understand that I could no longer afford to work for them. I gave my two weeks notice with no job on the line to go to. I stunned myself. I was gripped in fear, what would I do now?
To my amazement the following Friday someone from HR Corporate Office called me and made me an offer. The offer was to do what I absolutely love doing, (I teach photography and train photo labs) this job tripled my salary! I also received better benefits, a company car paid in full and a gas card that even covers my personal miles! I received stock and a bonus package as well. This was an amazing offer that I accepted. Not three months after the offer and raise, I received a bonus and ANOTHER RAISE! All this because I had the courage to step out of the “normal”, I had nothing to loose as I saw it when I gave my notice. Even though the fear was great, I knew I could do better, even if I didn’t know where or what better was.
I have never owned a home. Now I am working on getting qualified for this. I am scared again. But I have to try. I now have a savings, stock and a 401K. Sometimes I feel alone in this new financial adjustment as I never learned any of these things before from school or my family or friends. Not how to save, how to buy a home, all of the things that may seem normal to others. Now I am going to buy the workbook and also other books by you. Thank you for putting things into easy language and showing those of us that seem lost the way. Thanks for the helping hand.
With much Gratitude,
- Patti Kretschmer
Chicago, IL
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April 12 2007
David, I've been watching the real estate market since I was 20. I knew that I couldn't afford to NOT buy real estate. I am 23 now and I own a 5 bedroom 2100 sq ft house with a basement sweet and about 1/4 acre of property. In the process of buying the house with my little brother I stumbled across your automatic millionaire book (Canadian edition) in the Vancouver air port. I haven’t read a book since graduating high school but I must say I read it all that weekend! In the end it calmed my nerves on such a commitment to come. I managed to get a mortgage and buy a house for my brother and myself while living on employment insurance and attending trade school five hours away from home. We could only afford a no down payment mortgage but we accomplished home ownership at the ages of 22 and 19 without help from the bank of mom and dad. Our plan is to sell the house after five years and go our own ways with our money. I want to buy or build a full duplex to start. As my home equity increases I want to borrow against it and build my own house only to rent both sides of the duplex. After that who knows.
I tell my friends I don’t want to be working by the time I’m 35. Am I crazy?
Inspired home owner
- Lance Petty
Courtenay
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April 12 2007
David, I just read your book Start Late Finish Rich yesterday. I checked it out from the local library for free. I wanted to see if in fact my family and I are on the right track. And, I was pleasanty surprised to see that not only are we doing everything right, but that we are actually ahead of the game. My husband and I have lived frugally enougth over the years that at our age (mid 30's) we have no car payments, no other bills except our essentials, i.e., utilities and house payment, my husband contributes to his 401(k), we have investment portfolios for us as well as for our children, our kids contribute every week to their savings account thru their school(s). (even if it is just a nickle)AND I was able to finally quit my office job and stay home with my children while I run our home business this year. Even though I gave up a sizeable salary, when you factor in the time, auto expenses and daycare costs, I wasn't making that much money. And yet, even without my salary, we still pay ourselves first and have a few dollars left over to play around with. Every day we watch our neighbors buy more and more. We also hear time and time again how they are in debt up to their eyes! Last month one of our neighbors who is close to retirement announced that they can't retire and afford to live in their house! That shocked us! I am so glad that we will never be in that position! Your book was wonderful in that it really went a long way in justifying our life of living frugally. To be honest, the coffee my husband makes at home is 100 times better than that of any coffee house! But it is nice to know that if I do want to go and sit in a coffee house and spend $10.00 for a cup of joe and a scone, I can go there and pay cash for it and not have to worry about it later!
- mary dunkley
Linden, MI
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April 12 2007
I just went to the library to take out the Start Late Finish Rich book. I know it sounds cheap but it is a way to read books for free. I just read the section about calling your credit card co. and telling them you have an offer to transfer you balance at a lower rate. I have a card with a rate of 32%. I explained to the rep. that another bank was offering me 15.9% to transfer. I almost fell out of my chair when she lowered my rate to 14.99%. It works!!!!! I am going to Start Late and Finish Rich!!
- Shawn Stevens
Dartmouth, MA
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April 12 2007
A regular coffee from the gas station is $1.69. If you bring your own travel cup, it is $.73. It is not much, but add's up and fuel's savings.
Thanks for writing your books.
- mark priskorn
Traverse City, MI
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March 29 2007
3 months ago we had credit card debt of $22,000 which we had not been able to make a dent in - even though my husband made a respectable salary. The problem was that we had always operated without a budget and had no clue where our money went...I am a financial illitrate - money scares me so I picked up your book as I was starting this financial "makeover.
The first thing we did after we tracked down our all our expenses and realized that the "Latte" factor was enormous in our lives. We made a series of budgets on a spreadsheet and color coded them. The first one was an "inflated" one where put in all the luxuries we wanted and were we did not downsize on anything. The saving potential on that budget each month was 2%. Then on each subsequent budget on the spreadsheet we started cutting down on things that we did not really need - our expensive phone plan was dropped for a cheaper one, a lawn service we did not need, cutting down on some of our eating out etc. till we reached a savings potential of 40%. There was also a "Survival" budget if ever my husband lost his job how we could survive with the bare minimum by cutting down the gym, cable, childcare, one car etc. AND a "Dream" budget - to finance going back to school for me or my husband without taking a loan.
Some house cleaning and decluttering of our finaces was also required - we closed our multiple bank accounts at work, online etc - and opened a single account with a local bank with no fees or minimum requirements. We had over $600 in coins that we used to pay down the debt - thanks to the free coin counting service at our new bank. I closed out all our infrequently used credit cards after cashing out my reward points in these credit cards for cash and paying down my debt. I also cashed out around $700 in rewards points from the two credit cards that we did keep. I started using your principle of paying the rent twice a month to paying down my Credit Card debt twice a month. I started paying bills online with my new bank and made sure I paid my credit cards in each pay-cycle - I made sure that I paid in full every 15 days - all charges I had incurred on the credit card in the past 15 days + some portion of the debt. By Supercharging my "Latte Factor" (ie - no expensive maid service - cut down on eating out) I also managed to pay off my credit card debt - my husband thinks I am a hero but I must say thanks to your book for opening my eyes. Seeing our bank balance grow has also become quite addictive :-)
The next step is to start paying myself first -- with a twist - since I am a stay-at-home mom and have no 401K or IRA - my husband has agreed for me to have my own account where I can pay myself at least 10% - this is different from all of our finances that is held jointly. I am now trying to see if there is some fund that will allow me to put in some money twice a month. Since my debt has been paid off and I have a better grip of my finances - I feel really empowered and am also planning to start something soon that I love and am good at and know will be be a source of fulfillment as well as income.
- M B
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March 29 2007
Dear David,
Spending 25 cents has changed my life! You see, I found your book, Smart Women Finish Rich on a table at our town's recreation office where my sons play soccer. I knew nothing about you or money, until that fateful day!
I'm 43, my husband is 60, and we just started our family. We have two sons, ages 6 and 3. Life is full! I'm a stay at home mother and I home school. My husband has dedicated his working career to the city we live in with the hopes of retiring in the near future. Happiness abounds as we enjoy one another and our boys. Yet always lurking in the back of my mind was this gnawing feeling that I really need or wish or pray that I could someday get an understanding of money. And perhaps have some, too. Money has always, for me, been the nebulous fantastical idea that danced around me in life. First, I never had any. Lived paycheck to paycheck. Found myself in debt to the IRS for back taxes and the State of New York for student loans that had been borrowed in 1983 at $5,000 and had accrued to $14,000. I would get physically sick thinking about bills, money, and the like. My husband, we're married just close to 8 years, is a saver, a planner, much more responsible and educated about money. The most amazing question in your book was I believe the first one - find out what you value about money? This had me stumped. I had no idea. For days I pondered this in my head. Nothing came to the surface until one evening I said to my husband, “ I was never taught anything valuable about money in a positive way.” There it was. I actually didn't want to want it because growing up there was always this "we'll win the lottery and everything will be great" mentality from my parents. No one taught them appropriately either. So, for me just the idea of "wanting" money had a negative feel to it. So I hid from it, peeking around the corner, hoping by some miracle that I'd get some! Sounds ridiculous? It is.
Your book has altered my perspective 360 degrees! A complete turn around. My husband is so glad that I'm interested in learning about our finances. We met with a financial advisor recently. Our life is forever changed now for the better! What changed most dramatically for me is my mind!!!!!!!!!!! And throw in some action and we are on our way! I feel this great desire to share what I am learning with my nieces and nephews and friends and other family members. Really anyone who will listen! Including the librarian where I just picked up The Automatic Millionaire and Start Late, Finish Rich!
Your books are clear and not at all overwhelming! Thank you!
Here are just a few of inspiring changes in my life:
IRS bill was paid off in 2000.
My husband and I are paying off my student loan, deducted from our checking account each month. It will be paid off in four years.
By making the two last payments we just paid off our 2000 Toyota Sienna!
We will be automatically making our mortgage payments every two weeks, paying it off in less than 10 years!
My husband was just offered a promotion (age 60!) However, we learned about SSI from our Financial Advisor (thanks to YOU!) and he\'s decided to retire in two years instead.
Since reading your book I have NOT purchased anything frivolous, spontaneously, or out of shopping emotion!!!!!!!!!!!!! A complete MIRACLE!
All of this has affected our 6 yo son. When he asked if he could get a new knight costume for a birthday party he was invited to I responded by saying, “sure if you take it out of your allowance”. He groaned a bit and said, “well, I'll have to think about that. I was saving for a trip to Scotland to see castles!”
My LATTE FACTOR? Home and garden magazines EVERYTIME I went to the grocery store! Over $1000 a year! Now I get a subscription! Found a great deal – 3 years for $20 for one of my favorite magazines!
Our children will be able to go to college and be financially stable for the rest of their lives!
We can sleep at night – well, almost – three year old, remember?!!!
Thank you again for sharing what you know! PS – I LOVE YOUR GRANDMOTHER!
- K. Carlson
Upstate New York
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March 29 2007
I am a 24 year old single mom of two little ones under the age of 6yrs old. I got divorced about a year ago. I have been rebuilding my credit since then. Thank goodness for your books because they really gave me hope and helped me to make a plan and start thinking about the future. As of March 2007 I am happy to say that I have money saved in a money market account for emergencies, I have life insurance, I recently paid off all credit cards and should have 2 loans paid by the end of the month. I am so proud of myself because now I will have lowered my monthly expenses at least $400. I will be saving that money but also putting some aside for a vacation fund. Thankyou again. Also I am really interested to know when you plan to write a book for young people Start Young:Finish Rich! I have all your books and share them every chance I get.
- Jacqueline Morris
Gaithersburg, MD
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March 29 2007
I call my success story, "Show me the Latte Factor" My apologies to Jerry McGuire. I spend money in the vending machines at work almost every day. Sometimes only $1.00, but often $2-$3. I've stopped putting money into the vending machines for the past month, instead depositing $1 a day into a glass jar on my mantle at home. This may not sound that unusual, but I'm pretty convinced that just saying I would stop putting money in the vending machines wouldn't have been enough to get me to stop. I needed to SEE the money growing in the glass jar at home, knowing each time I put money in the jar I was putting it to my new home.
- Daniel Model
Santa Cruz, CA
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March 23 2007
I remember seeing you David in Oprah awhile back talking about the advantage of paying your mortgage bi-weekly. I said to myself what a nice "idea" too bad I don’t have a house. That time I was still renting a 2 bedroom apartment with my sister. And I ask myself why still I don't own a house.
Well everything changed after I got a hold of your books: Automatic Millionaire and Automatic Millionaire Homeowner. Within 6 months me and my sister finally bought our very own brand new 3 bedroom house.
Not only that, because of the principles I have learned from your books I was able to identify at least $500 of "latte factor" a month. I have learned to "pay myself FIRST and make it AUTOMATIC". I have DOLP (Dead on Last Payment) several credit cards. And have negotiated the remaining cards to a much lower rate.
And the best thing is I’m on my way of becoming debt free with the help of the home based business I have started. I'm so grateful with all the things that I have learned from you that last Christmas I gave your books as presents to all my close friends.
Thank you very much David! See you in the Learning Annex here in NY!
- Ian Saludares
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March 23 2007
This is not exactly a success story, YET. I wanted to express my gratitude to David. I attended the Wealth Expo the weekend of 3/17 in San Francisco. David was an extremely motivational speaker and was not allowed enough time to share his powerful message. Hopefully the Learning Annex makes an adjustment next year to allow him at least an hour!
Although I have recently sold my first home and am not in the real estate market at this time, David's advice regarding the importance of knowing your "Latte Factor" and building wealth were inspirational and can be applied in any way on the road to success. I am heading to the bookstore immediately!
Thanks David!
- Lisa Giannone
San Francisco, CA
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March 20 2007
It was awsome hearing you speak at the Learning Annex San Francisco. I went to see both you and Jack Canfield, so I left happy.
I wanted to also say "thank you" I read your Smart Couples Finish Rich and also passed on your Smart Women Finish Rich to two of my women firefighter friends who are single parents, and they greatly appreciated the books.
I also recently gave my mother and father your Start Late Finish Rich late Audio CD and book and to my suprise my father who is a grave yard working Registered Nurse has been listening to it on his way to work. It was so funny to hear him talk about the "Latte Factor" to me. He greatly appreciates it, as he is 62 and probably going to have to work until 70 when they force him out, because lack of retirement... And this man makes $130,000 per year by himself! My mom unfortunatley also is in the same boat as a Registered nurse who is unable to retire for about 15 years. Your book has given them the hope that they lost back. To see the smile on my fathers face when he was talking about the "Latte Factor" made my day David.
One last thing I want to thank you for coming out with your book Smart Couples Finish Rich, because I have read it and am now begining to use it, before I get married this July. Now I really feel like I will be on the Road to success with my Firefighting and Realtor career, because of your simple Financial Guidance.
Thank You,
- Deya Leta-Pombo
Oakley, CA
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March 20 2007
David,
I just wanted to start out with I'm absolutely amazed at how much your books helped me. My name is Jon I am 22 years old. I am currenlty deployed to Iraq and thought that while I was over here I should get my finances squared away and start saving for retirement. So I purchased "Start Late, Finish Rich" and "Automatic Millionaire". I read both books in two days and a week after I read those two books I had saved myself a total of $285 a month. Basically I was able to switch banks and get a lower interest rate on my car loan (From $419 to $342 a month), I was able to get my insurance lowered from $113 to $26 a month, and last but not least I paid off one of my credit account which was costing me $121 a month. I just want to thank you for the great advice and I am going to continue to read your books. I also took your advice and instead of increasing my spending I take that $285 a month and invest it. Thank you very much david, I appreciate everything you're doing.
Sincerely,
HHT 1-17 CAV TF HORSEMEN
- Jonathon Thomas
Fayetteville, NC
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March 15 2007
Hi David! I've been trying to get the nerve up to add my success story for months, so here it goes! 3 years ago my new husband and I were renting an apartment in a city we didn't like in jobs we didn't love. We had over 3k in cc debt and a dream to buy a house. We decided to pay off our cc and start aggressively save for a house, we had a plan and we were a team together! Fast forward 2 years and we had just had our offer accepted on our house, when I came across The Automatic Millionaire. Man, do I ever wish I had found it earlier! We quickly worked to establish an emergency fund-we had saved everything for a downpayment, but nothing for emergencies! We then set up automatic retirement contributions for both of us though RRSP's and set out to make our first 'offical' budget.
I'm happy to say that I've reread your book 3 times, checking it out of the library whenever i need inspiration. By rereading it this fall, we got inspired to up our RRSP contributions to reflect the raises we both got with our 2 new wonderful jobs! Our emergency fund continues to fund itself and our retirement accounts are getting healthier. A year ago we switched to biweekly mortgage payments, shaving 4 years off our ammortization. We watch our Latte Factor, while allowing room for the things we love, and pay cash and budget carefully. The best thing about all of this is that we are on the same page about money and talk openly with eachother about finances. We hope to start our family within the next year and when we do I'm positive your advice will have helped us reach that dream financially secure.
Sincerely,
- Lori G
Ontario, Canada
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March 15 2007
David Bach has changed my life. Today I am debt free and on my way to my own coaching business.
I love Him!
- Selena Valentine
New York, NY
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March 15 2007
Thank you David. I am 43 years old and have read plenty of personal finance books - but this is the first time I have read one and took action. First I read Smart Women...then Automatic Millionaire...then Start Late...
As a result I took action. I now have a money market account; (I work two jobs and have two 401k's) I increased my part time job 401k contributions to 20% and my full time (primary) job contribtions to 12% - and you know what, increasing to 12% (double what I had previously) only cost me $77 per pay period!
For the first time I feel empowered and in control over my finances, not my finances in control of me!
I am going to Finish Rich!
- Stacy Spetter
Phoenix, AZ
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March 12 2007
Smart Women Finish Rich jump started my financial stability. About 4 years ago I moved to Canada from the Philippines. I was 22 years old, a new university graduate and have nothing but dreams and guts. I had relatives helped me out in letting me stay in their place and lending me money to start. Because of life being tough when you are starting up I was desperate to know as much as I can to "smartly" save my money and still enjoy my life. I have asked people and read as much as I could but I was not getting the direction I really need. I bought a life insurance for 100K for about $50 a month (with some savings vehicle) at first to make sure that I have something just in case. Then I continued pursing my career as a licensed pharmacist in Canada.
A banker lady (she is a blessing) who works across my on job training one day intoduced me to a book called "The Wealthy Barber". She suggested that I read it when i started asking her about what do I do if I wanted to save to buy a house. It sparked my interest big time, it gave me a strong foundation of understanding my finances. It was so interesting I decided to find other books to read and I came across Smart Women Finish Rich. I was like "Hey, I think I am Smart, this probably is the book for me" I have never regreted buying this book and after 2 years I am still lending it to my friends. The book gave me a plan. I was just earning a decent salary then, and still supporting 2 siblings to school. I was living with my relatives still which helped me to saving more. I started by opening up a RRSP account, organizing my filing cabinet and getting my CPP reports. I started investigating what my company offers I signed for everything that is automatically deducted. First was the stock shares, a maximum of 4% off my paycheck every week and in return will give me 25% guaranteed interest. Then the pension plan that deducts 5% from my paycheck and the comapany matches it everyyear I am with my work. I then opened a non-registered savings account where I forced my self to save 12% every month. Then I have to buy a car, which I manage to get a good deal financing for 4 years at 5.2% interest. I then increased my life insurance to 200K. My other sibling finish school and 1 more to go. Then I got myself a good accountant.
After close to 3 years: I moved to my own rental apartment (still working on saving for that house thru The Automatic Millionaire Book), share stock year to date 10K, yearly maximized RRSPs and non-registered savings and pension plan now combined worth 27K. After a 1 year of becoming a licensed pharmacist my annual income has increased to 120K. I feel very financialy secured as I have never been before and I still feel that I have not been even "disciplined" so much and still able to shop for the 'good" stuff, i have 1 credit card and a credit line which now has 5K in personal debt (I know Im just a girl I love to shop but I do keep as much myself in check, lets just say my debt is relatively small than what I saved). I just recently went to Cuba for a week. After all those 4 years of work that I actually felt I did a good job. At 26 years old I feel I am "rich" in comparison to other gils my age. Time is probably my best ally, I made a good start and I know my money will grow even when I am partying. My next best partner is knowledge and I do thank David for sharing his expertise and made it to a book that is made it so easy to understand a follow for the rest of us.
I have not stop learning, I guess I have advance into actually reading on different investments hardcore. I also just did my Will and be able to also participate with my charity organization.
David, I heard you are making a book geared towards my age group, I will be happy to be featured:)I hope I can see you in person when you come to Toronto to personally thank you for helping me shape my future! Keep up the good work!
- Anna F.
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March 12 2007
David,
I am a 23 year old college student. Although I have watched my finances over the years, I am always up for advice. I have learned so much from you! So much, that I returned to finish college and I am getting my degree in Finance. I will graduate in the Summer of 2007, and I will not stop there, I intend to go back for more. I feel that your knowledge has saved my from any future financial problems. As a student I watch all the people around me struggle with loans, and rent. I also make it a point to pass on my knowledge of you to others who could benefit, just as I have. Having this degree will not only help me be a mentor to others, but it will hopefully help me get thay "higher paying" job so that I can make more, and save more! Thank you for everyting!!
- Michelle Burford
Memphis, TN
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March 12 2007
David,
I am so excited to tell you our story. I'm 28 and my husband is 31. In April of 2005 my husband graduated from Law School. At the time we had 5 children, and our 6th was born in September of 2005. After taking the Bar and waiting for results, my husband started his job as a lawyer for the Air Force in January of 2006. We had a little over $100,000 in loans! Luckily we didn't have any credit card debt, and all of our loans have very low interest rates. (the smallest is 4.76%, then 2%, and the biggest loan is only 1.625%) We bought our first house in June of 2006. I decided to start paying any extra that we could scrape up, on our loans. At the beginning of 2007 when my husband got a slight raise, it automatically went onto the bills. So now it's March of 2007. And in just a little over a year, and thanks to a large tax return (having 6 children helps!), we paid off over $16,000!! There are going to be a few increases in our income over the next few years. (2nd job teaching during the school year, an expected bonus, etc.) But with following our plan, we will be able to have everything paid off, except our house, within the next 4 years!! Our next move is to have my husband go in and talk to his finance office about changing our withholdings so we get to keep more each month instead of lending money to the government. And once that goes through, we'll have our debt paid off even faster.
As an Officer in the Air Force, my husband makes good money. But still, with 6 kids, we defintely don't have a lot of extra. And we don't have a lot of 'nice' things. I would much rather be out of debt and working on having a secure future, then buying new furniture or clothes. Our biggest student loan was for a term of 30 YEARS! We'll be done with that one, and the other loans, in a total of 5!
Some of these things I started before I had even heard of you. But after reading your books I had even more motivation, and understood a little more about what I should do. I'm still a little unsure about retirement accounts and investing, but I'm going to re-read your books and really take notes this time.
Thank you so much.
PS: In Smart Couples Finish Rich you have a table showing how a 7 year old could become a millionaire. Well I showed it to my oldest son, whose 8, and he got very excited. And it's already his goal to be a millionaire.
You're going to be a new family tradition!!
- Nanette Sparks
Brown Mills, NJ
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March 12 2007
Dear David,
HOPE FOR THE FUTURE, PEACE OF MIND, HAPPINESS!
Thank you for these unexpected gifts.
Little did I realize that by following the steps in your "Start Late, Finish Rich" book, I would achieve so much more than "financial" results.
Wow! Double Wow!
I really thought I would be stuck with only a Social Security check when I retire.
Now I contribute to my 401K program with money I thought I did not have. I switched my mortgage payment (which I was already making anyway) to a bi-weekly program. I am saving thousands of dollars and look forward to actually retiring without a mortgage. Miracle! And so simple with your guidance.
All this without even changing my current income. Just little tweaks here and there.
Instead of concentracting on my debts, I now concentrate on how to grow my income.
Thank you to David and his staff.
- Mary Hinckle
San Diego, CA
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