I took Ramit Sethi's book, "I Will Teach You To Be Rich" back to the library. It was good, but not good enough for me to write further on it. I spoke about the percentage styled budget and opening a Roth IRA, but that's all of the information I gleaned from it. I'm currently working through David Bach's workbook, "The Automatic Millionaire" and I have three other books that are on my pile, "A Random Walk Down Wall Street", "The Bogleheads' Guide to Investing" and "Vegan with a Vengeance". I'll start reading "A Random Walk Down Wall Street" right after I'm done reading the current issue of Wired magazine. «Laura»