David, I’m so happy to have discovered you last year. The Latte Factor Book and podcast, has been life-changing in the most positive way. Not only with finances but being life rich. Thank you for creating this platform. The episodes you have created during the pandemic has given me a lot of hope and proven how effective your methods are. I recommend your book to all my friends and family and have done a book club because I truly believe the information you provide – it is so important.