ESRBob,
I forgot to mention one thing about your book, WLLM. Somewhere in the first portion of the book, you mention "private schooling". Sounds like you're saying that sending young kids to private schools is a waste of money, a way to keep up with the Joneses.
With due respect, I totally disagree with you on that logic. When my kids were in elementary school, I made a promise to myself that I would work hard, save money, live below my mean, in order to be able to send them to reputable, challenging, demanding private schools before they reach the sixth grade. I chose the school based on tangible data: Average SAT score, graduation percentage, % going to college, and most importantly which colleges graduates end up going to. The cost of sending my two kids to private school is about 25% of my gross annual income, and there is no tax advantage. I have no regret yet.
So, your view on private school might be valid in some cases, but not in all cases.
Other than that, I like your book a lot.
Regards,