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The Latte Factor: Why You Don't Have to Be Rich to Live Rich Hardcover – Illustrated, May 7, 2019
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Discover #1 New York Times bestselling author David Bach’s three secrets to financial freedom in an engaging story that will show you that you are richer than you think. Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy listen reveals how anyone—from millennials to baby boomers—can stillmake his or her dreams come true.
In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop.
Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine.
The Latte Factor demystifies the secrets to achieving financial freedom, inspiring you to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game).
- Print length160 pages
- LanguageEnglish
- PublisherAtria Books
- Publication dateMay 7, 2019
- Dimensions5.5 x 0.6 x 8.38 inches
- ISBN-101982120231
- ISBN-13978-1982120238
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From the Publisher
It’s Never too Late to Reach for Your Dreams
Through his 9 New York Times bestsellers, FinishRich seminars, and national media appearances, David Bach has revolutionized the way millions of people understand and manage their finances. Now, with The Latte Factor, he’s on a mission to empower readers of all ages and backgrounds to live their best financial lives and reach for their dreams.
“When I first started my career, I was deep in debt and full of shame, fear, and embarrassment about money. David Bach’s books helped me turn that around and create real financial freedom. The Latte Factor works!”
—MARIE FORLEO, author of Everything is Figureoutable, host of the award-winning show MarieTV
An excerpt from the book
Zoey drifted through work that day, editing on autopilot as she replayed snippets of her conversation with Henry. Finally, she took out her phone and began scrolling. On her ride into the city she had jotted down a few notes, and now she retyped them into her laptop, sorting and sequencing as she went.
She looked at her notes.
Most people, when they earn more, simply spend more... Everyone thinks they know about it, but hardly anyone does it... Pay yourself first... Some say it’s the most powerful force in the universe... Ten dollars a day can change your life.... Keep your first hour’s worth of each day’s pay.
And then there was that comment from the day before, the one that sounded like it came from a financial Zen master:
If you can afford that latte, you can afford this photograph.
She still had no idea what he meant by that one. Or by her “latte factor.”
Her latte factor?
Editorial Reviews
Review
“When I first started my career, I was deep in debt and full of shame, fear, and embarrassment about money. David Bach’s books helped me turn that around and create real financial freedom. On MarieTV we featured David and his Latte Factor challenge—and the results for our community were immediate. The Latte Factor works!” —Marie Forleo, author of Everything Is Figureoutable, host of the award-winning show MarieTV
“David Bach has a masterful ability to translate the complicated world of investing into terms we can all understand. The Latte Factor may be his simplest and most powerful message yet.” —Simon Sinek, optimist, New York Times bestselling author of Start with Why and Leaders Eat Last
“David Bach has inspired millions worldwide to be smarter with their money; now this great story can inspire you to take action to live your best life. You truly don’t need to be rich to start investing and go for your dreams.”—Jean Chatzky, financial editor of NBC’s Today, host of the HerMoney Podcast
“Sometimes a story is worth a thousand pieces of unheeded advice. Let this lovely tale, laced with practical wisdom, inspire you to make a few elegantly simple changes—without budgeting—to build the wealth you need for a life you love.” —Vicki Robin, author of Your Money or Your Life
“The Latte Factor is a masterpiece. David Bach’s strategies helped me become a millionaire at 30. Read this book, put it into practice, and then share it with everyone you know. It will change your life.” —Grant Sabatier, author of Financial Freedom, creator of Millennial Money
“The Latte Factor is a soulful journey that will inspire you to live your dreams now. Bach and Mann’s storytelling genius make this a life-changing book of our time.” —Farnoosh Torabi, host of So Money, author of When She Makes More
“David Bach moves audiences worldwide with his message of hope and inspiration. The Latte Factor will stir your heart and uplift your soul. It is so very worth your attention, contemplation, and implementation.” —Robin Sharma, bestselling author of The Monk Who Sold His Ferrari and The 5 AM Club
“David Bach’s advice is masterful. He takes the complicated and makes it simple—it’s literally a three-step process to financial freedom. You can do this!” —Jon Gordon, bestselling author of The Energy Bus and The Power of Positive Leadership
“Forget the lottery, Prince Charming, or the pot of gold at the end of the rainbow—The Latte Factor will show you a path to a winning, rich life. A must-read for every woman from every background.” —Nely Galan, Emmy Award-winning producer, New York Times bestselling author of Self Made, first Latina president of entertainment for a U.S. television network (Telemundo)
“An instant classic, The Latte Factor is the perfect gift for people of any age who don’t like to think about finances—and are poorer and unhappier because of it. Invest one hour to read this book and reap positive returns for a lifetime!” —Ken Blanchard, coauthor of The New One Minute Manager and The Secret
“A game-changer! This incredibly powerful story will change your life. Anyone from any generation or background can use this book to fuel their dreams and empower their future.” —Sarah Jakes Roberts, author, businesswoman, and media personality
“This is one of the freshest, most exciting and fun reads I’ve had in a long time: a ‘quake book’—one that totally flips your mindset upside-down and gives you a 10X better operating system. The Latte Factor will completely transform your relationship with money and happiness.” —Benjamin P. Hardy, Inc.com
“Bach and Mann’s The Latte Factor will help you learn how to best identify what you value most, so you can spend, save, and invest to live a life aligned with your goals.” —Erin Lowry, author of Broke Millennial Takes on Investing
“David Bach has been my friend and guide for almost a quarter-century, and he has never failed to amaze me with his genius for making the complex world of finances approachable to everyone and his genuine caring about making an impact in people’s lives. The Latte Factor is a book for all time!” —Louis Barajas, author of The Latino Journey to Financial Greatness
“Iconic financial expert David Bach has inspired tens of millions of lives with his Latte Factor method. You owe it to yourself to read The Latte Factor and share it with those who matter most to you. In less than an hour you’ll learn truly how to become a financial grownup.” -- Bobbi Rebell, CFP®, author of How to be a Financial Grownup, host of Financial Grownup Podcast, former Reuters Business TV anchor
“I have known David for over a decade. His timeless principles will inspire you to live a life that goes beyond wealth, and one that embraces meaning and giving.” -- Scott Harrison, founder of charity: water, New York Times bestselling author of Thirst
“For more than two decades, David Bach has been changing lives through his simple yet impactful teachings about money, investing, saving, and building wealth. I know this because I featured the Latte Factor principles on The Oprah Show and watched David transform tens of millions of people’s lives. And we didn’t just talk about the Latte Factor—we put it to work in our own lives!” -- Candi Carter, executive producer of The View, former producer of The Oprah Show
“A captivating story packed with aha! moments. The Latte Factor will surprise and delight you—and it will transform the way you think about personal finances.” -- Michael Hyatt, New York Times bestselling author of Platform and Your Best Year Ever
“Every college student across America and around the world needs to read this book. David’s advice is so powerful because it is so easy to implement, and the tale he shares is both heartfelt and inspirational.” -- Dr. Jennifer Aaker, General Atlantic Professor at Stanford Graduate School of Business
“Bach and Mann offer a master class in the fundamentals of personal finance and financial independence, wrapped in an engaging story of self-discovery. The Latte Factor is a gem!” -- Bob Roth, author of the New York Times bestseller Strength in Stillness
“Bach and Mann have done a startlingly good job of illustrating life’s deepest secret and most profound truth: that a genuinely rich life—a life of ‘flat-out, unbridled joy,’ as the authors put it—is available to anyone in any circumstances. Highly recommended!” -- Sally Helgesen, coauthor of How Women Rise, author of The Female Advantage
“I LOVE this book! Bach is simply the best at getting you to take quick action to change your life. In one fun-filled hour, you will learn how a few small, simple changes can compound into a massive transformation in your financial future. The Latte Factor is destined to be a global sensation!” -- Darren Hardy, New York Times bestselling author of The Compound Effect, former publisher/editor SUCCESS
“A great read for millennials, and a helpful reminder that little life changes can have a big impact on your financial future.” -- Jessica Moorhouse, founder of Millennial Money Meetup, host of Mo’ Money Podcast
“A game-changing little book, delivered with the wisdom, heart, and brilliant simplicity that have endeared David Bach to millions. Read, act now (it’s easier than you think), and genuine financial freedom is yours for the taking!” -- Dan Sullivan, The Strategic Coach, Inc.
“A wonderful, fun, engaging, inspiring book! Despite its title, it’s not about the latte—it’s about showing you how to get a grasp on your money and live a rich life, regardless of your salary or income. And you’ll love the story so much you’ll forget that you’re actually learning life-changing lessons from a master in the field.” -- Bob Burg, bestselling coauthor of The Go-Giver and The Go-Giver Influencer
“David Bach’s advice is so powerful because it so easy to implement. The Latte Factor transforms complicated concepts into simple actions, laying out a three-step process that anyone at any level of income can put into practice to achieve financial freedom and a life filled with abundance and joy.” -- Jennifer Barrett, Chief Education Officer at Acorns
“The Latte Factor is a little story that packs a huge idea: that financial success, freedom, and security start with being clear on what matters most in your life.” -- Stedman Graham, New York Times bestselling author, speaker, and entrepreneur
“In less than an hour The Latte Factor can help you take control of your money and your life. Whether you’re just starting out in business or an employee in mid-career, or you’re in debt, or you just want to live the life you always dreamed of, The Latte Factor can help you gain financial success, freedom, and security. You’re richer than you think—and you can make your dreams come true.” -- Joe Polish, founder of Genius Network® and GeniusX®, president of Piranha Marketing Inc.
“Since discovering David’s Latte Factor concept in my early thirties and implementing his pay-yourself-first strategies, my wife and I have had huge leaps forward financially. We’re now millionaires, my wife was able to be a stay-at-home parent, and I was able to leave my unsatisfying corporate job to pursue passion businesses!” -- Philip “PT” Taylor, founder of FinCon and PT Money
“David Bach’s approach to personal finance will inspire a generation. Living rich can feel out of reach for many in the creator community, but David’s simple, no-BS approach balances our ability to thrive now while simultaneously preparing for a wealthy future.” -- Chase Jarvis, founder and CEO of CreativeLive
“A must-read if you want to reach your personal financial goals!” -- Jason Dorsey, Gen Z/Millennial expert, bestselling author of Y-Size Your Business
About the Author
John David Mann is coauthor of the beloved classic The Go-Giver, which has sold nearly a million copies in twenty-six languages and was awarded the 2017 Living Now Book Award’s Evergreen Medal for its “contribution to positive global change.” His books have sold more than 2 million copies and have earned the Nautilus Award, the Axiom Business Book Award Gold Medal, and Taiwan’s Golden Book Award for Innovation. Learn more at JohnDavidMann.com.
Excerpt. © Reprinted by permission. All rights reserved.
Boarding the L train to work Monday morning, as she did every day, Zoey took a sip of her double-shot latte and thought about the photograph.
She thought about it for the full forty minutes it took to travel west and then south, from Brooklyn to her last stop in Lower Manhattan, and she thought about it as she stood to exit the train along with a thousand other passengers.
What was it about that photograph?
The subway car doors opened and Zoey became a drop in the ocean of commuters as it poured through Fulton Center, the hub where nearly every subway line in Lower Manhattan converged. The wave carried her along through the gray-tiled passageway and out into the huge open space below the World Trade Center, where Zoey stopped, rooted in place, as people flowed around her. She glanced up at the cavernous ceiling. It looked like the ribs of an enormous bird cast in white steel, a phoenix risen from the ashes of 9/11.
She began moving again, feeling the hugeness of the place as she walked. Six hundred feet of pure white Italian marble. It was like being in a gigantic cathedral.
The Oculus. Gateway to one of the most famous memorials and tourist destinations in the world. Zoey passed through it every day—twice, in fact: once on the way to work and then again on the way home—yet she’d never really stopped to take it in.
She entered the white marble–lined West Concourse passageway, with its enormous LED wall display to her left, nearly a football field in length. Normally she ignored the constant rotation of advertisements and public service announcements, intent only on getting to the escalator. Today the image splashed across the big screen made Zoey stop in her tracks once more.
The picture showed a fishing boat, complete with crew and nets—very much like the boat in that photograph, the one she couldn’t get out of her mind. Only, rather than rocking in the water at dockside, this boat sat stranded in the middle of a desert.
Strange, thought Zoey. Strange, and strangely unsettling.
As she watched, giant letters scrolled across the image, spelling out a message:
If you don’t know where you’re going, you might not like where you end up.
Moments later the image dissolved, replaced by more ads.
Zoey walked on.
Reaching the end of the passageway, she stepped onto the escalator, which carried her two stories up and into the sunlit glass atrium. She walked outside and turned back toward West Street, the sun in her eyes, to face the building where she worked. One World Trade Center, the tallest building in the Western Hemisphere. This was her daily routine. She loved standing in this spot, tipping her head way back and looking straight up, trying to see the top of the enormous tower as it stretched toward the sky.
Today, though, her mind was elsewhere.
If you don’t know where you’re going, you might not like where you end up.
It was an ad for something—insurance company, car company, travel app, she couldn’t quite remember what. Hadn’t Jessica had something to do with that slogan? It seemed to her that this was one of Jess’s accounts, whatever it was they were advertising. Yet this morning somehow it felt like a personal message directed right at Zoey. And it gnawed at her.
Just like that photograph. The one she couldn’t get out of her mind.
She suddenly remembered the latte in her left hand and took a sip. It had gone cold.
Normally she would now cross the street, enter the building, and take the elevator up to her office on the thirty-third floor. Today she diverted from her usual path. After crossing over West Street, she took a sharp right, heading away from One World Trade, and walked toward the reflecting pools, the two enormous square fountains built on the precise footprints of the original Twin Towers, bordered by short black marble walls with an endless stretch of names carved into their top surfaces.
The 9/11 Memorial.
She stopped at the north pool and looked down at the surging water below. Felt the surface of the marble and read the first dozen names. There were so many of them. Thousands of people had died here, in those dark days of September 2001. Zoey had been in grade school then. She glanced over at the great ribbed wings of the Oculus jutting up among the skyscrapers a block away.
Why did everything look so different to her today?
If you don’t know where you’re going, you might not like where you end up.
Where exactly was it that Zoey was going? Where exactly did she expect to end up?
Had she ever really thought about that before?
A man stopped for a split second to glare at the watch on his wrist, then hurried on. Zoey stirred. She was going to be late for work.
She started to turn away to head back toward One World Trade Center—but something held her in place. Instead, she stepped over to one of the nearby concrete benches and sat down, cold latte in hand, as the stream of tourists, commuters, and locals flowed past. She spoke softly, to no one but herself:
“What am I doing with my life?”
Product details
- Publisher : Atria Books; Illustrated edition (May 7, 2019)
- Language : English
- Hardcover : 160 pages
- ISBN-10 : 1982120231
- ISBN-13 : 978-1982120238
- Item Weight : 2.31 pounds
- Dimensions : 5.5 x 0.6 x 8.38 inches
- Best Sellers Rank: #50,974 in Books (See Top 100 in Books)
- Customer Reviews:
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Financial Freedom In a cup Unleashing the latte factor
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About the authors
John David Mann is an award-winning author whose writings have earned the Nautilus Award, the Axiom Business Book Award (Gold Medal), Taiwan's Golden Book Award for Innovation, and the 2017 Living Now Book Awards “Evergreen Medal” for “contribution to positive global change.” He is coauthor of the worldwide classic THE GO-GIVER with Bob Burg (more than 1 million copies sold) and 4 New York Times bestsellers. His books are published in 38 languages and have sold more than 3 million copies. His first novel, STEEL FEAR (coauthored with Brandon Webb) was released in July 2021; iconic author Lee Child called it “sensationally good—an instant classic, maybe an instant legend,” and it was nominated for a Barry Award. Jeffery Deaver hailed the 2022 sequel, COLD FEAR, as “one of the best crime novels of the year.” You can read John’s thoughts on entering the world of crime fiction at https://bit.ly/36ASxAa
John has been creating careers since he was a teenager. At age 17, he and a few friends started their own high school in Orange, New Jersey called Changes, Inc. In his teens he forged a successful career as a concert cellist and prize-winning composer. At 15 he was recipient of the 1969 BMI Awards to Student Composers, then their youngest award recipient ever; his musical score for Aeschylus’s “Prometheus Bound” (written at age 13) was performed at the amphitheater in Epidaurus, Greece, where the play was originally premiered.
His diverse career has made him a thought leader in several different industries. In 1986 John founded and wrote for Solstice, a journal on health and environmental issues; his series on the climate crisis (yes, he was writing about this back in the eighties) was selected for national reprint in Utne Reader. During the nineties he built a multimillion-dollar sales/distribution organization of over 100,000 people. He was cofounder and senior editor of the legendary journal Upline and editor in chief of Networking Times.
He is married to Ana Gabriel Mann, his coauthor for THE GO-GIVER MARRIAGE, and considers himself the luckiest mann in the world. You can visit him at www.johndavidmann.com.
David Bach has helped millions of people around the world take action to live and finish rich. He is one of the most popular and prolific financial authors of our time with 10 consecutive New York Times bestsellers, including two consecutive #1 New York Times bestsellers, Start Late, Finish Rich and The Automatic Millionaire as well as the national and international bestsellers Fight for Your Money, Go Green, Live Rich, The Automatic Millionaire Homeowner, Smart Women Finish Rich, Smart Couples Finish Rich, The Finish Rich Workbook and The Automatic Millionaire Workbook, Start Over Finish Rich and Debt Free For Life. Bach carries the unique distinction of having had four of his books appear simultaneously on the Wall Street Journal, BusinessWeek, and USA Today bestseller lists. In addition, four of Bach's books were named to USA Today's Best Sellers of the Year list for 2004. In all, his FinishRich Books have been published in more than 19 languages, with more than seven million copies in print worldwide.
Bach's breakout book The Automatic Millionaire was the #1 Business book of 2004, according to Business Week. It spent thirty one weeks on the New York Times bestseller list and was simultaneously number one on the bestseller lists of the New York Times, Business Week, USA Today, and The Wall Street Journal. With over a 1.7 million copies in print, this simple powerful book has been translated into 12 languages and has inspired thousands around the world to save money automatically. His most recent National and International bestseller - The Latte Factor, Why You Don't Have To Be Rich To Live Rich was an instant New York Times, USA Today, Wall Street Journal, Publishers Weekly, Toronto Star, bestseller - and has already been translated into eleven languages.
Bach's also recently updated The Automatic Millionaire (2017) and his #1 National bestseller Smart Couples Finish Rich (2018) and Smart Women Finish Rich (2019).
Bach is regularly featured in the media. He has appeared six times on The Oprah Winfrey Show to share his strategies for living and finishing rich along with regular appearances on NBC's Today and Weekend Today shows, CNN's Larry King Live, ABC's Live with Regis and Kelly, The View, CBS's Early Show, ABC News, Fox News, and CNBC. He has been profiled in many major publications, including The New York Times, BusinessWeek, USA Today, People, Reader's Digest, Time, Financial Times, the Washington Post, The Wall Street Journal, Los Angeles Times, San Francisco Chronicle, Working Woman, Glamour, Family Circle, and Redbook. He has been a contributor to Redbook Magazine, Smart Money Magazine, Yahoo Finance and AOL Money. In 2009 Bach, was a regular on the Today Show Money 911 Segments and a contributor to ABC's Good Money.
David Bach is the creator of the FinishRich® Seminar series, which highlights his quick and easy-to-follow financial strategies. In the last two decades, more than half a million people have learned how to take financial action to live a life in line with their values by attending his Smart Women Finish Rich®, Smart Couples Finish Rich® , and Find The Money Seminars, which have been taught in more than 2,000 cities throughout North America by thousands of financial advisors. His most recent national seminar is Smart Women, Smart Retirement and being taught nationally.
A renowned motivational and financial speaker, Bach regularly presents seminars for and delivers keynote addresses to the world's leading financial service firms, Fortune 500 companies, universities, and national conferences. He is the founder and Chairman of FinishRich Media, a company dedicated to revolutionizing the way people learn about money. Prior to founding FinishRich Media, he was a senior vice president of Morgan Stanley and a partner of The Bach Group, which during his tenure (1993 to 2001) managed more than half a billion dollars for individual investors. Today, Bach is the Co-Founder of AE Wealth Management, a registered investment advisor and the Director of Advisor and Investor Education. AE Wealth Management has been recognized as one of the countries fastest growing RIA's.
David Bach now lives in Florence, Italy with his family. Please visit his web site at http://www.DavidBach.com
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I am a writer myself, also of motivational books. Reading this book reinforced my wish to write some of my books in the form of a parable where the doubts and feelings of the learning character are shown and to which the readers can relate.
I felt for Zoey, I rooted for her, I understood what she felt, and as she was, I was inspired by what Henry had to share with her. Just like Zoey, I could see the general misunderstanding of what paying ourselves first truly meant.
While reading the book, I applied the ideas described in it to my finances, especially to how I was approaching them. That brought relief because I stopped putting the responsibility on others, or blaming others, or hope for my finances to take care of themselves somehow, and instead, I took care of them myself, in simple and proven ways.
I can't recommend enough reading this book. And not only reading but doing so many times. Read it, and you will feel empowered and in control. I will surely read it the third time soon, and sometime later again.
Update several rereads and almost two years later:
Upon the latest reread in 2021, I became aware of one more area where the Latte Factor can be utterly helpful. It is about engaging in upsets. We can't avoid becoming upset, but we can choose either to stay upset or move on. I heard about this idea from other authors, but reading The Latte Factor helped me recovering from an upset a little bit faster than maybe I otherwise would. Here's how: as soon as I observed myself getting upset about something and didn't judge it, I asked myself if I could save myself trouble and drama by labeling the upset as my latte factor and moving on to what motivated and empowered me. So The Latte Factor approach can help you concentrate on what is important in your life, not only from the financial investment perspective but also how you "invest" your emotions. I found this experience enlightening.
I am curious now, what else I will discover when I reread the book next time.