In the first four chapters of The Automatic Millionaire, David Bach recounts his experience with the McIntyres, the first couple to become automatic millionaires. While most people think that becoming a millionaire requires strenuous planning, a six-figure income, or an inheritance, Bach shows how easily an average middle-class person can accumulate wealth. Bach goes on to explain how anyone can achieve financial independence and accumulate millions of dollars by putting aside small amounts of money every day. The first chapter begins with Jim and Sue McIntyre, a hard-working, middle-class American couple, setting up a meeting with the author to learn more about their financial situation. The couple was excited about retiring in their mid-50s, while most people in the United States struggle to retire at age 65. David Bach seemed intrigued by the McIntyres because he couldn't understand how an average American couple, like the McIntyres, could afford to retire so early. During their meeting, David Bach reviewed the McIntyres' tax returns to reveal that Jim and Sue earned a combined $53,946 the previous year. "Not bad. Not rich, sure, but a descending income" (Bach 14). Upon further analysis of the McIntyres' financial records, Bach discovered that they had no debt. In addition to having no debt, the McIntyres had a net worth approaching $2 million, including 2 homes, a boat, 3 cars, retirement funds, bonds and cash savings. Bach was absolutely baffled that an average middle-class working couple could achieve such a high net worth on a middle-class income. Bach asked the McIntyres how they managed to amass their high net worth while most people their age are still living paycheck to paycheck. McIntyres' response...... middle of paper...... incorrect money deposits. The Automatic Millionaire was by far the most informative book I have read this year. This book really changed my thoughts on achieving financial independence. I felt that a six-figure income was absolutely necessary to achieve financial independence. After reading this book, I learned that financial independence is not based on how much you earn but how much you spend. This book completely changes my thoughts on saving and investing. Typically, I pay my monthly expenses first and save/invest what's left. Now I will pay myself 8% every month and pay expenses with what is left. I plan to eliminate all my unnecessary expenses. I have already signed up to receive automatic transfer of my car bills and paycheck each month. This book is very easy to read and has changed many of my thoughts on investing and saving.