Right you are the book is the total money makeover, the seminar is financial peace univeristy. I read the book and watch his show but didn't do the univerisity.

I am really encouraged how many of us have figured this out. )

I agree on being encouraged, it's a breath of fresh air to me to.Like Dave said, live like nobody else so you can live like nobody else.

Funny thing is i have been so accustomed to the notion that credit is a good thing that I have to battle regularly the temptation to buy a 36' gladiator on credit. But we'd look so much cooler at poker runs in a cig than a 1988 scarab... nutz I will say though that the look on the $200k boat owners face when my ole pig goes by them at the start of of run is priceless