I must be the luckiest person on earth. Every day, I get letters, notes, messages -- even packages in the mail. And most of them say the nicest things -- testimonials for how your lives are being impacted by what you learn right here in this column and also by following the principles of Debt-Proof Living.

So many send in their favorite time-saving and money-saving tips, thank you notes, prayer requests, funny stories and thoughtful questions. And you should see all the stuff I've received o ...

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