The Latte Factor: Why You Don’t Have to Be Rich to Live Rich

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From the Author

David Bach is one of the most trust­ed finan­cial experts and best­selling finan­cial authors of our time. He has writ­ten nine con­sec­u­tive New York Times best­sellers with over sev­en mil­lion copies in print, includ­ing two #1 New York Times best­sellers, The Auto­mat­ic Mil­lion­aire and Start Late Fin­ish Rich. In addi­tion to his books, David has impact­ed mil­lions of peo­ple over the past two decades through his sem­i­nars, speech­es, newslet­ters, and thou­sands of media appear­ances. He is also the cofounder of AE Wealth Man­age­ment, regard­ed as one of America’s fastest-grow­ing finan­cial plan­ning firms, and the founder of Fin­ishRich Media, a web­site ded­i­cat­ed to rev­o­lu­tion­iz­ing the way peo­ple learn about mon­ey. Learn more at DavidBach.com.

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.

About the Author

David Bach is one of the most trust­ed finan­cial experts and best­selling finan­cial authors of our time. He has writ­ten nine con­sec­u­tive New York Times best­sellers with over sev­en mil­lion copies in print, includ­ing two #1 New York Times best­sellers, The Auto­mat­ic Mil­lion­aire and Start Late Fin­ish Rich. In addi­tion to his books, David has impact­ed mil­lions of peo­ple over the past two decades through his sem­i­nars, speech­es, newslet­ters, and thou­sands of media appear­ances. He is also the cofounder of AE Wealth Man­age­ment, regard­ed as one of America’s fastest-grow­ing finan­cial plan­ning firms, and the founder of Fin­ishRich Media, a web­site ded­i­cat­ed to rev­o­lu­tion­iz­ing the way peo­ple learn about mon­ey. Learn more at DavidBach.com.

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.

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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 read reveals how anyone—from mil­len­ni­als to baby boomers—can still make their 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 read­ers 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).