the automatic millionaire homeowner:david bach

1. money market account as saving account for down payment  : mutual fund invest in short term goverment bond65

2.latte factor: we waste money on small things that we want but don't really need77

3.double latte factor: look at fixed overhead(regular monthly cost) and cut back78

4. double late factor challenge 80
item                              cost              wasted moeny?              amount saved    amount saved monthly
what i bought or buy    how much    eliminated or reduced   i can save X by doing Y

5. 證明自己的還款能力: 3年稅表, 3-6個月銀行月結單142

6. negotiate fee and closing cast to save money146

7.用第一間屋的淨值買第二間屋
第一間升值, refinace 借更多的錢去還原本的mortgage 和第二間屋的首期209