“It’s only too late if you give up,” promises David Bach in the Canadian edition of Start Late, Finish Rich, and with those words the money coach props up the sagging hopes and deflated egos of many readers who fear they have squandered their financial futures. The best-selling author of Smart Women Finish Rich, Smart Couples Finish Rich, The Automatic Millionaire, and others is aiming his latest book at all of the people who say they wish they knew 20 or 30 years ago what they know today about money. In his earlier books, Bach helped readers identify their “latte factor”–the small daily splurges that add up to a lifetime of living paycheque to paycheque. In this book, he helps readers find the “double lattes”–the satellite dishes, DVD subscriptions, giant pick-up trucks, and other larger annual extravagances that they can easily live without. Once readers wrangle their spending under control, he recommends ways that they can turbo-charge their earnings power by starting a small business, direct selling, auctioning items on eBay, or becoming a landlord. Then, when people have built up some assets, Bach offers advice on dividing the spoils into three equal pots of real estate, stocks, and bonds. With Bach’s cheerful prodding, readers can overcome their inertia and start putting into place his simple plan. “The fact is, most people overestimate what they can do financially in a year–and underestimate what they can achieve financially in just a decade or two.” After all–as Bach says–the past will continue to be your future if you drag it along with you. –Carolyn Leitch
“Here is one good source to help you realize that there are options and it is possible to create life the way you want it, financially speaking.… [Bach’s] work looks at many fine details and provides research backed up with actionable ideas. ” – Times-Colonist
“David Bach tackles head-on the common complaint for far too many complacent Canadians that they can’t help themselves financially or it is too late to do so. Bach’s practical messages with proven financial principles to help oneself are doable.… It’s never too late. Bach can help those who are motivated to help themselves.” –Canadian MoneySaver
From the Hardcover edition.
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David Bach has a plan to help you live and finish rich—no matter where you startSo you feel like you’ve started late?You are not alone. What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck?What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings? See? You’re really not alone.Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how.You can start late and finish rich—but you need a plan.This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach. Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start.—David BachIs it too late for me to get rich?Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?”There IS hope, and help is here at last!In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges.Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it.The Start Late, Finish Rich promise is bold and clear:Even if you are buried in debt – there is still hope.You can get rich in real estate – by starting small.Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had.You can start a business on the side – while you keep your old job and continue earning a paycheck.You can spend less, save more and make more – and it doesn’t have to hurt.David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses –everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.