How do I plan on using this in the future?

There were many great tips throughout the entire book and I plan on using a lot of them. Like to make everything automatic and to be debt free. I don't use credit or debit cards now and I want to stay that way as in debt free. Also the tips on making your mortgage payments shorter where you don't have to pay for your house for 30 years, it could be more like 22 years instead. A good website to figure out how much you could be saving on you martgage go to www.bankrate.com click on calculator then mortgage, and then mortgage calculator.