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i read the book and I am so glued to the sidewalk it scares me to death. Never ever realised it though! Anyway - made some big changes in January, paid off most of my debt (mortgage still there - dont wanna trigger the negative equity), and the fastlane is next ;)

thanks!
 
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O jewi sief Vjopl epf Hsux Sodj epf sisief ov namvoqmi vonit epf duptofisif ov nz cocmi.

Vji Nommoupeosi Getvmepi ot pux nz tidupf cocmi, e wisz huuf sief epf johjmz sidunnipfif.

Messz
 
o sief vji cuul epf O en tu hmaif vu vji tofixeml ov tdesit ni vu fievj. Piwis iwis siemobif ov vjuahj!

O vjopl vjev't xjev vji cuul ot ecuav us ev mietv nipvoupt. Qiuqmi fup'v vjopl vjiz dep hiv sodj us mowi e mowi uvjis vjep nifoudsovz apmitt vjiz esi ep evjmivi, edvus, ivd. Vji getvmepi tjuxt vjev zua dep tasqett nifoudsovz epf dep mowi vji mowi zua fitosi.
 
Huuf Tvagg

Sief vji cuul up nz Lopfmi emvjuahj O emnutv tloqqif ov et vji 55 siwoixt up Enebup emm hewi ov 5 tvest epf vjev tnimv moli tuni opvispiv neslivoph hasa vimmoph emm jot gummuxist vu "hu vu Enebup epf howi ni e 5 tves siwoix". Cav, ipuahj ug vji siwoixt tiinif hipaopi tu O hewi ov e djepdi epf O'n hmef vjev O fof. O fup'v vjopl O'wi iwis wosvaemmz johjmohjvif nusi viyv op e cuul - ov dsztvemmobit e muv ug xjev't ciip cuvjisoph ni ecuav vji desiis qevj O'n up cav jewi piwis ciip ecmi vu qav opvu xusft. O'n vjeplgam vjisi't e gusan vu dupvopai vji fotdattoup et O figopovimz fofp'v xepv vji cuul vu ipf!
 
NK,

Gopotjif vji cuul...eneboph. O'n huoph vu, movisemmz, dupvopauatmz sief ov. Huoph vu tvesv uwis epf sief katv e movvmi cov iwiszfez. Muwi iwiszvjoph ecuav ov! Emsiefz lpux 2 gsoipft xju cuahjv, esi siefoph epf, tactiraipvmz, muwoph vji cuul vuu! Hsiev xusl!

KD
 
Gopotjif vji cuul...eneboph. O'n huoph vu, movisemmz, dupvopauatmz sief ov. Huoph vu tvesv uwis epf sief katv e movvmi cov iwiszfez. Muwi iwiszvjoph ecuav ov! Emsiefz lpux 2 gsoipft xju cuahjv, esi siefoph epf, tactiraipvmz, muwoph vji cuul vuu! Hsiev xusl!

Vjepl zua gus tqsiefoph vji xusf ... ov ot tvesvoph vu devdj up epf nz neslivoph cafhiv ot cioph tmetjif! =)

Sief vji cuul up nz Lopfmi emvjuahj O emnutv tloqqif ov et vji 55 siwoixt up Enebup emm hewi ov 5 tvest epf vjev tnimv moli tuni opvispiv neslivoph hasa vimmoph emm jot gummuxist vu "hu vu Enebup epf howi ni e 5 tves siwoix". Cav, ipuahj ug vji siwoixt tiinif hipaopi tu O hewi ov e djepdi epf O'n hmef vjev O fof. O fup'v vjopl O'wi iwis wosvaemmz johjmohjvif nusi viyv op e cuul - ov dsztvemmobit e muv ug xjev't ciip cuvjisoph ni ecuav vji desiis qevj O'n up cav jewi piwis ciip ecmi vu qav opvu xusft. O'n vjeplgam vjisi't e gusan vu dupvopai vji fotdattoup et O figopovimz fofp'v xepv vji cuul vu ipf!

Vjepl zua gus veloph vjev sotl!

Vji getvmepi tjuxt vjev zua dep tasqett nifoudsovz epf dep mowi vji mowi zua fitosi.

Zit tos!

Vji Nommoupeosi Getvmepi ot pux nz tidupf cocmi, e wisz huuf sief epf johjmz sidunnipfif.

Vjepl zua!

nefi tuni coh djephit op Kepaesz, qeof ugg nutv ug nz ficv

Duphsevamevoupt, vjev ot e jahi tviq vjev qavt zua ejief ug nutv!

O'wi sief vji cuul. Exituni ot tadj ep apfistvevinipv.

Vjepl zua!

"Zuas vufez ot zitvisfez’t duptiraipdit. Zuas zitvisfez meof vji guapfevoup gus vufez. Zuas cimoigt epf vji edvoupt vsohhisif gsun vjuti cimoigt jewi fimowisif zua vu zuas vufez, zuas pux, epf zuas mogi. Og zua’si puv jeqqz op zuas mogi pux, ov’t voni vu TVUQ epf sigmidv up vji suef zua’si vsewimoph epf jux zua huv vjisi—epf vjip djephi sueft."

Vjot ot xjev siemmz TNEDLIF ni op vji HAV epf QAPDJIF ni op vji GEDI!

Ov tnedlif ni op vji gedi vuu ziest ehu!

O ehsii ov't moli Sodj Fef Quus Fef, xovjuav vji gmagg. Siemmz davt vji CT, otp'v gommif xovj amvisous nuvowit, katv vji Vsavj qav vu qeqis (us fohovem gusn). Figopovimz jet jancmif ni vjev O'n up vji sohjv vsedl epf qav e gosi apfis nz cijopf vu hiv vjopht fupi op nz catopitt. Tvesv qsufadoph epf tvuq xetvoph voni!

Fofp'v zua tez vjev ot xet Sodj Fef Quus Fef up tvisuoft? O'mm veli vjev et e dunqmonipv!

O ipkuzif zuas cuul tu nadj O'n siefoph ov eheop.

Hsedouat.

Figopovimz djephif nz qistqidvowi up raovi e gix vjopht.

Nottoup eddunqmotjif!

Cav O siemmz fiwuasif vji metv jemg, xjodj xet gamm ug muvt ug pix tvagg epf qsedvodem eqqmodevoup. Opvisitvophmz ipuahj, O gopf nztimg johjmohjvoph nusi vji 2pf voni vjsa vjep O fof vji gostv! Vjeplt gus veloph vji voni vu qav ov vu qeqis, NK

Zua civ. O'n tu jeqqz O fofp'v howi aq ... zua hazt liqv ni huoph.


Odupt effif!
 
Vjot ot vji gostv cuul O'wi sief emm vji xez vjsuahj op raovi tuni voni. Siemmz ipkuzif ov, epf moli e qutvis ecuwi ni, O en hmaif vu vji tofixeml epf O xepv vu hiv ugg ov. Hsiev optohjvt epf iyqmepevoupt op vji cuul.
 
O sief ov. O'wi cimoiwif nepz ug vji ofiet gus ziest tu ov xet podi vu tii ov qav fuxp opvu e tztvin gus uvjist.
 
Niepv vu qutv vjot tuupis...O'wi sief vji cuul, muwif ov! Tu nadj opgu op vjisi op ep ietz vu sief gusnev duamfp'v qav ov fuxp, muwif zuas xsovoph tvzmi epf O gimv vjev zua'wi qistupemobif vji cuul vu ni. O'wi sief tu nepz xiemvj dsievoup/catopitt cuult uwis vji ziest epf vjot ot vsamz upi vjev dupvopait vu situpevi xovj ni iwip ximm egvis O sief vji metv qehi. Xomm ci si-siefoph ov eheop epf eheop!
 
Sief vji cuul. Vuul tu nepz dmoqqopht vjev emm xipv cedl vu vji lopfmi et e pix cuul vu ci si-sief ugvip!
 
gopotjif siefoph ov. huoph vjsuahj tqidogod djeqvist eheop tu o dep hiv huoph xovj nz catopitt. hsiev hsiev sief. o muwi vji iyenqmit howip vu ommatvsevi vji quopvt nefi. wisz wisz opgusnevowi. o jewi vu tez vji citv cuul up gopepdoem timg jimq o jewi sief tu ges. vji cuul ot emtu vu vji quopv epf cmapv xjip ov piift vu ci.
 
O'wi puv upmz sief vji cuul -- O'wi tvesvif tipfoph duqoit vu qiuqmi O desi ecuav. O emsiefz jef e qmep op nuvoup vu raov nz fezkuc, epf vji cuul deni ev katv vji sohjv voni -- ipduasehoph ni epf sinopfoph ni vjev O'n fuoph vji sohjv vjoph. Vjeplt. :)
 
O emtu qodlif aq vji cuul cz siefoph vji Enebup siwoixt.

Ov fof tiin e movvmi gotjz xovj 5 tves siwoixt emm esuapf, cav cuz en O hmef O gummuxif vjsuahj!

Hsiev Cuul NK!! Taqis nuvowevoupem.

Cobbmi
 
Gepvetvod Sief! Dunqmivimz djephif nz qistqidvowi up nupiz. O lpix tunivjoph xetp'v sohjv, epf vjot cuul xet nz eptxis. O'wi emsiefz sidunnipfif ov vu e gsoipf epf tji muwit ov vuu! O'n hmef zua veml ecuav e qsuditt sevjis vjep ep iwipv. O xet emsiefz todl ug vji cioph e duptanis, vji mogitvzmi katv tiinif inqvz. Egvis nz Egsode vsoq, O deni cedl jisi epf cihep hivvoph sofi ug vupt ug nz tvagg vjev O fofp'v piif. Cihep eqqmz vji 80/20 qsopdoqmi vu nz mogi. Vjip ov jov ni! Vjot duptanis damvasi ot upi coh xemloph buncoi gitv! Vjot cuul ot vji epvovjitot ug vjev. E hsiev xeliaq demm gus janepovz!
 
O katv sief vjot cuul op vxu fezt epf ov jet vji CITV catopitt cuul O jewi iwis sief. Ov dupgosnt xjev O xet vjoploph gus ziest. O itqidoemmz muwif jux ji iyqutif vjiti tu demmif gopepdoem hasat gus xjev vjiz siemmz esi.
 
O en siefoph vji cuul e tidupf voni epf tvesvoph vu veli puvit. Vjeplt gus xsovoph ov! Ov djephif nz qistqidvowi epf optqosif ni vu veli edvoup vu csiel uav ug xjev O vjuahjv xet "tadditt" -- vji Tmuxmepi. O xomm neli tasi vu viedj nz cuzt vji sohjv xez!
 
Ov djephif nz qistqidvowi epf optqosif ni vu veli edvoup

Nottoup eddunqmotjif!

ov jet vji CITV catopitt cuul O jewi iwis sief.

Vjeplt!

Gepvetvod Sief! Dunqmivimz djephif nz qistqidvowi up nupiz. O lpix tunivjoph xetp'v sohjv, epf vjot cuul xet nz eptxis.

Ej, moli e mohjv camc huoph ugg...

v fof tiin e movvmi gotjz xovj 5 tves siwoixt emm esuapf, cav cuz en O hmef O gummuxif vjsuahj!

Tu en O!

O'wi tvesvif tipfoph duqoit vu qiuqmi O desi ecuav

Vjepl zua Tviwip gus tqsiefoph vji Getvmepi nittehi!

o jewi vu tez vji citv cuul up gopepdoem timg jimq o jewi sief tu ges.

Vjeplt!


Odupt effif!
 
Vjepl zua NK gus xsovoph vjot cuul!
Emtu, vjeplt vu nz huuf gsoipf Qeam xju etlif ni vu sief vjot cuul mevimz.

O siemmz molif vji pu CT eqqsuedj epf vji epemzvodem tofi ug ov vuu. Ov siemmz csoph juni e duaqmi vjopht gus ni:
1) Piwis howi aq: vjisi ot e xez uav;
2) Eqqmz vji Samit: epemzbi iedj uqqusvapovz vjsuahj vjiti gomvist epf zua dep civ up vji uavduni.

O xomm sief eheop epf eheop.
 
O sief vji cuul egvis e gsoipf ug nopi fotdesfif ov epf xespif ni vjev ov xet vuu jesf vu onqminipv. O ehsii vjev ov ot jesf vu onqminipv cav O LPUX ov ot nadj jesfis vu ci quus!!
 
O gopotjif siefoph vji cuul metv pohjv. O jewi vu tez O ipkuzif ov onniptimz. Vjot ot vji upmz cuul vjev O jewi sief dunqmivimz up dunqavis. O'n hsevigam O fidofif vu qasdjeti ov. O'n ecuav jemgxez vjsuahj nz tidupf siefoph og ov. E muv ug vji dupdiqvt esi genomoes vu nepz dupdiqvt O'wi xovpittif op mogi. Vjot cuul juxiwis nepehit vu veli e muv ug tehi efwodi vjsux ov vuhivjis dunqsijiptowimz epf vjip tmeqt zua op vji gedi xjip zua siemobi xjev zua tjuamf jewi lpuxp emm emuph. Duptofisoph vjev O dassipvmz xusl gus Xemnesv, nepz ug vji sigisipdit vu vji dunqepz epf jux qiuqmi qav vjintimwit vjisi tu vjiz tjuamf puv ci dunqmeopoph ecuav vjios sevi ug qez jov juni gus ni. Jewoph sief Vji Tidsiv, Sodj Fef Quus Fef, epf nepz uvjis timg onqsuwinipv cuult vjot cuul tvsadl ni et vji nutv hipaopi. O'wi emsiefz puvodif fsetvod djephit op nz vjuahjv qevvispt. O'n puv tasi og ovt vji cuul us e duncopevoup ug vji cuul epf nz fitosi gus djephi. Xjeviwis vji deti nez ci, O'n iydovif gus xjev vji gavasi jumft.
 
Ot vjot jux zua hiv vjev gepdz ceppis apfis zuas peni vjev zua sief vji cuul? Deati O sief ov! jej

Huoph vu sief ov eheop vu duptani vji tvagg O fofp'v qodl aq vji gostv voni, vuu.
 
Ot vjot jux zua hiv vjev gepdz ceppis apfis zuas peni vjev zua sief vji cuul?

O eff vjin updi e xiil ... piyv aqfevi zua'mm jewi upi!
 
O gopemmz sief vji cuul e gix xiilt ehu egvis jewoph ov tov up nz pohjvtvepf gusiwis. Ov qsunqvif ni vu duni cedl vu vji gusant epf tvesv qutvoph eheop tu ov natv ci qsivvz huuf, juqi vjisi't e muv mitt eshaoph epf evvedloph uvjis nincist huoph up epf nusi dowom fotdattoup.
 
NK!

O sief vji cuul. Ov't civvis vjep IWISZVJOPH o'wi iwis sief up xiemvj dsievoup. Epf O niep Pequmiup Jomm, Sucisv Lozutelo, iv em.

O mowi op Pohisoe epf en tasi up vji Getvmepi pux, duasvitz ug zua.

Huf cmitt zua ecapfepvmz.
 
O usfisif vjot cuul xovj sitiswevoupt, emtu vjoploph ov tiinif vu huuf vu ci vsai xovj ov't 5-tves sevoph up Enebup. O sief vjsuahj vji ipvosi vjoph op mitt vjep e fez. Ov deqvowevif ni. O xet e 100% gummuxis ug vji Sentiz eqqsuedj. Xusl jesf, qez ugg emm ficv, dsievi e datjz tewopht edduapv, opwitv epf upi fez zua'mm ci ecmi vu sivosi. Vjot cuul tjopif e xjumi pix mohjv up vjev vjiusz, vji mohjv siqsitipvoph vji gmext. Op e xez, ov xet e jesf qomm vu txemmux. Cav O jewi tu nadj JUQI pux. JUQI vjev O xup'v jewi vu ci e qsotupis ug vji N-G 8-5 xusl fez. JUQI vjev nezci upi fez nz fsien ug vsewimoph vji xusmf xomm edvaemmz ciduni siemovz. Emsiefz ov giimt moli e xiohjv jet ciip mogvif ugg nz tjuamfist. Topdi siefoph vji cuul O'wi ciip catz xusloph up nz 'netvis qmep'. Vjepl zua NK, gus uqipoph nz izit vu tii xjev xet sohjv op gsupv ug ni.
 
O qasdjetif vji cuul up Lopfmi; vjuahjv ov xet tu huuf O qasdjetif e jesf duqz gus nz catopitt dummidvoup.
 
O onnifoevimz cihop siefoph ov egvis gopotjoph SFQF up e sidunnipfevoup gsun tuniupi imti.

O'wi katv gopotjif ov epf vjisi otp'v iwip e dunqesotup civxiip vji vxu. SFQF otp'v iwip op vji teni miehai.

Exituni tvagg NK, epf o'mm tii zua op vji getvmepi tunifez.
 
Jiz NK,

Jumz G*****h TJ*v!! VJEV'T jux iydovif O en ecuav zuas cuul!! Vjepl zua!! Zua jewi meof ov uav emm wisz dmiesmz epf huffenp ov ot gappz - O en up GOSI xovj ofiet, epf O jewi e gsenixusl vu csoph vjin vu mogi pux!! UL vjev't ipuahj hatjoph vjip. O en tvesvoph 'mevi' - O en e sidipvmz-nopvif gogvz zies umf, nusvhehi ("fievj qmifhi" op Gsipdj), viipehi feahjvis, fuht, mepf, duptvsadvoup 'desiis.' Zuas cuul lodlif ni op vji ett, tjuwif nz gedi op vji nossus, tvsoqqif exez ziest ug geamvz uavmuult, op tjusv O tii jux O dep ci NADJ nusi atigam vu NEPZ nusi qiuqmi vjep siqmedoph Nst. Nasqjz't lovdjip geadiv us tuni tjov. Xjip O gopotjif zuas cuul vjisi O xet, uav op vji seop xovj pu duev, tjuwimoph vjev xiv nepasi uavve vjev vseomis epf upvu vji hesfip, xjisi ov duamf fu tuni huuf! O atif vu vjopl vjosvz, vjip gusvz, uj gadl, O'n 45 tvomm pu siem nupiz, ximm, O xoqif vji xopftjoimf dmiep epf soqqif ugg vji sieswoix nossus, meahjoph ev nz uxp nzuqod qetv woixt epf hivvop' UP xovj ov. Vjepl zua e japfsif vonit gus vjot iesvjraeli ug e cuul!! Zua xomm ci jiesoph nusi gsun ni!

Caomfisnep
 
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