Wealthy Barber. Q. Although Findependence Day is clearly fiction, some of your characters and concepts seemed very familiar to me, so I have to ask you: Is Didi Quinlan of the television program Debt March based on Gail Vaz- Oxlade's show 'Til debt do us part? Well like most fictional characters it's a composite, I would say she's was certainly one of three or four people, keeping in mind the book was also written for the US market. We have a lot of financial reality TV shows now. When I talk to American journalists they're convinced I am talking about Suze Orman. But I would say that Gail is probably the single closest model. Were you thinking of Stewart McLean's Vinyl Cafe when you created "The Vinyl Cave?" Actually, that was based on Kate Dunn's Vinyl Museum around the turn of the century. Then Peter Dunn had two Vinyl Museum stores in Toronto -- one was close to where I lived on the Lakeshore. Did you draw on Finance Professor Moishe Milevsky's characterization of people as either "stocks" or bonds" as discussed by the financial advisor Theo in the book? I think I actually did credit Moshie's book in the fine print or in "Theo's library"at the end of the book. Q.  In the opening chapter, television host Didi Quinlan tells the young couple Jamie and Sheena Morelli that she is going to drill two words into their skulls: guerilla frugality. Is this phrase also a Chevreau original and what