Dear Scott, Hello, I am writing to let you know that I have achieved my first goal of becoming debt free. The original plan you helped me create did take a year longer than I had hoped, due to my mother being diagnosed with cancer in 2013. However, after meeting with you and taking that long hard look at my finances I changed into a significantly better paying career and began aggressively reducing my debt. This in turn meant that when my mother was diagnosed I was able divert my additional loan repayments towards travelling to Townsville for Mum's chemo treatments without incurring any new debt. Had it not been for your advice and making these changes , my choices when Mum became ill would have been either to a) not been there for her at all, or, b) take out further loans or credit cards in order to get to Townsville for her treatment. Thankfully, Mum is now in remission and I have paid off my car loan. I would like to arrange a time to meet with you again to start setting and planning for my new financial goals.