John David Mann

David Bach

INSTANT NEW YORK TIMES, USA TODAY, WALL STREET JOURNAL, AND INTERNATIONAL BESTSELLER 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 still make 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).

Why You Don't Have to Be Rich to Live Rich

The Latte Factor

Outlines a system for achieving financial security and building wealth, instructing readers on how to make the most out of automated financial transactions, including 401(k)s, scheduled transfers, and early payoff programs and explains how to apply the author's self-paying principle to avoid temptations. Reprint. 150,000 first printing.

A Powerful One-Step Plan to Live and Finish Rich

The Automatic Millionaire

A champion of women's financial empowerment and prominent investment counselor offers a wealth of strategies for amassing money for both luxuries and necessities, including devising a financial plan based on individual goals, taking advantage of tax-deferred investments, and more. Reprint.

9 Steps to Achieving Financial Security and Funding Your Dreams

Smart Women Finish Rich

The best-selling author of The Automatic Millionaire offers financial hope for individuals who have forgotten to save for their retirement, sharing his secrets for achieving financial freedom regardless of one's age or status in life, using the principles of Spend Less, Save More, and Make More. Reprint. 200,000 first printing.

A No-fail Plan for Achieving Financial Freedom at Any Age

Start Late, Finish Rich

“[David Bach’s] advice is heartfelt and worthy. For most couples struggling to make their financial lives smoother, this is a good place to get the dialogue rolling.” –USA Today #1 New York Times bestselling author David Bach has helped millions of couples plan for a future they love with more than 7 million of his books in print. And now, completely updated and revised, Smart Couples Finish Rich, America’s favorite money book, is back. You’ll discover the latest techniques to live a life as a couple, where your values align and your money decisions become easier. Whether newlyweds, a couple planning for retirement or already retired, this timeless classic provides couples with easy-to-use tools that cover everything from credit card management to detailed investment advice to long term care. Together you’ll learn why couples who plan their finances together, stay together!

9 Steps to Creating a Rich Future for You and Your Partner

Smart Couples Finish Rich, Revised and Updated

GO GREEN, LIVE RICH: 50 SIMPLE WAYS TO SAVE THE EARTH AND GET RICH TRYING

The Automatic Millionaire 

Let 2010 Set You on the Path to Wealth. Believe it or not, recessions make millionaires! Will you be one? In Start Over, Finish Rich, America's best-loved financial expert, David Bach, explains that 2010 will be the best opportunity for building wealth we have seen in decades. And, as the economy recovers, you must be set up to recover with it. Bach's easy, take-action plan will show you how. Start Over, Finish Rich supplies the ten crucial moves you must make in 2010 to get back on track and recapture your dreams of a richer future. Learn how to: * Get out of debt * Fix your credit * Rebuild your 401k plan * Improve your 529 Plan * Take smart risks * Reorganize your financial life for the high tech age * Update your real estate plan * Change your thinking about money * Recommit to wealth As Bach says, "A recession is a terrible thing to waste—so don't waste this one! Use it instead to get rich." Read Start Over, Finish Rich and let David Bach put you and your family back on the path to financial freedom.

10 Steps to Get You Back on Track in 2010

Start Over, Finish Rich

OVER 1.5 MILLION COPIES SOLD—#1 NEW YORK TIMES, WALL STREET JOURNAL, USA TODAY, BUSINESSWEEK BESTSELLER What’s the secret to becoming a millionaire? For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich, Smart Couples Finish Rich, and Start Late, Finish Rich what’s the real secret to getting rich? What’s the one thing I need to do? Now, in the newly revised The Automatic Millionaire, expanded and updated, David Bach is sharing that secret. The Automatic Millionaire starts with the powerful story of an average American couple--he’s a low-level manager, she’s a beautician--whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present. What makes The Automatic Millionaire unique: · You don’t need a budget · You don’t need willpower · You don’t need to make a lot of money · You don’t need to be that interested in money · You can set up the plan in an hour David gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers, websites and apps, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home. This powerful little book has the potential to secure your financial future. Do it once--the rest is automatic! The Automatic Millionaire is one of the most popular financial books of our time. It was a runaway hit when it was first published in 2004, spending thirty-one weeks on the New York Times bestseller list and appearing at at number one simultaneously on the New York Times, USA Today, BusinessWeek, and Wall Street Journal business bestseller lists. It has sold over 1.5 million copies and been translated around the world in over a dozen languages. This is the first update since 2005 and includes updated information on taxes, investments, technologies and apps to automate your financial life as well as David’s latest systems for making the entire process even easier.

The Automatic Millionaire, Expanded and Updated

9 steps to creating a rich future for you and your partner

Smart couples finish rich

A Powerful Plan to Finish Rich in Real Estate

The Automatic Millionaire Homeowner

A companion volume to The Automatic Millionaire explains how to put theory into practice to achieve financial security and build wealth, with charts and checklists for paying down debt while saving, goal-setting worksheets, a game plan for paying off mortgages, investment opportunities, budgeting, and more. Original. 125,000 first printing.

A Personalized Plan to Live and Finish Rich

The Automatic Millionaire Workbook

¿Y SI HUBIERA UNA MANERA DE LOGRAR LA LIBERTAD FINANCIERA Y VIVIR TUS SUEÑOS, SIN CORRER GRANDES RIESGOS O HACER CAMBIOS DRÁSTICOS? BIENVENIDO A EL FACTOR LATTE . ERES MÁS RICO DE LO QUE CREES. El legendario experto en finanzas personales David Bach (autor de El millonario automático) y el increíble narrador John David Mann (Dar para recibir) ponen en tus manos El factor latte. Este libro cuenta la historia de Zoey Daniels, una profesionista de veintitantos que vive y trabaja en la ciudad de Nueva York. Zoey ama su trabajo y es buena en él, pero sin importar cuánto se esfuerce tiene dificultades para llegar a fin de mes por las deudas de la tarjeta de crédito y los préstamos estudiantiles. Y no puede dejar de preguntarse: "¿Esto es todo lo que hay en la vida?". Zoey no encuentra una salida a su situación hasta que una mañana conversa con Henry, el barista de su cafetería favorita en Brooklyn, quien durante los siguientes días le revela los tres secretos de la libertad financiera. Zoey descubre que hay más de lo que aparenta en su historia y que si sigue el camino simple y comprobado que él describe podrá tener la vida que siempre quiso. Desde los baby boomers que se preocupan por si ahorraron lo suficiente para la jubilación hasta los millennials ahogados en deudas, pasando por la generación Z que quiere tomar decisiones más inteligentes que las generaciones anteriores, El factor latte es un libro que ayudará a todos a lograr la independencia financiera. Apasionante y conmovedor, El factor latte es una historia inspiradora que puedes leer en menos de una hora, pero cuyo impacto durará toda la vida. ENGLISH DESCRIPTION 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).

El Factor Latte: Por Qué No Necesitas Ser Rico Para Vivir Como Rico / The Latte Factor: Why You Don't Have to Be Rich to Live Rich

Identifies the ways that American corporations earn billions from the public's financial ignorance and demonstrates how to fight back by paying less for cell phone and cable service, credit cards, insurance, and other goods and services.

How to Stop Getting Ripped Off and Save a Fortune

Fight for Your Money

THE MILLION-COPY NEW YORK TIMES, BUSINESS WEEK, WALL STREET JOURNAL AND USA TODAY BESTSELLER IS BACK - COMPLETELY UPDATED! With over ONE MILLION copies sold - Smart Women Finish Rich is one of the most popular financial books for women ever written. A perennial bestseller for over two decades, now Bach returns with a completely updated, expanded and revised edition, Smart Women Finish Rich, to address the new financial concerns and opportunities for today's women. Whether you are just getting started in your investment life, looking to manage your money yourself, or work closely with a financial advisor, this book is your proven roadmap to the life you want and deserve. With Smart Women Finish Rich, you will feel like you are being coached personally by one of America's favorite and most trusted financial experts. The Smart Women Finish Rich program has helped millions of women for over twenty years gain confidence, clarity and control over their financial well-being--it has been passed from generations to generation -- and it now can help you.

Smart Women Finish Rich, Expanded and Updated

pourquoi il n'est pas nécessaire d'être riche pour avoir une vie riche

Le facteur latté

EL MÉTODO SENCILLO DE DAVID BACH PERMITIRÁ QUE TU PROPIA CASA TE HAGA RICO–AUTOMÁTICAMENTE.Por qué El Millonario Automático Dueño de Casa te es indispensable:No necesitas un pago inicial exorbitante para comprar una casa o un apartamento.No es necesario que tu crédito sea excelente.Debes comprar incluso si tienes deudas en tus tarjetas de crédito.Puedes adquirir una segunda propiedad incluso si todavía estás pagando la primera.Puedes hacer tu primera compra de bienes ra’ces cualquiera que sea la situación del mercado–en alza o en baja.Alquilarle tu propia casa a otra persona es más fácil de lo que piensas.

Cómo acabar rico al comprar la casa de tus sueños

El Millonario Automático Dueño de Casa / The Automatic Millionaire Homeowner

Fedezzük fel David Bach, a New York Times sikerlistás szerzőjének anyagi szabadsághoz vezető három titkát ezzel a lebilincselő történettel, ami beláttatja majd velünk, hogy gazdagabbak vagyunk, mint gondoljuk. A szerző tapasztalatain okulva, aki világszerte emberek millióit tanította meg arra, hogyan éljenek gazdag életet, ez a sodró lendületű, könnyen olvasható könyv megtanít minket arra, hogy legyünk akár fiatalok, akár idősebbek, még mindig megvalósíthatjuk az álmainkat. Ebben a lenyűgöző, szívet melengető tanmesében Bach és a szerzőtársa egy New York-ban élő és dolgozó huszonéves lány történetét beszélik el. Sok fiatal diplomáshoz hasonlóan Zoey is a hitelkártya és a diákhitel egyre növekvő terhe mellett próbál kijönni a fizetéséből. Éjjel-nappal dolgozik az álomállásában, mégsem keres annyit, hogy előteremtse a nyugodt élethez szükséges biztos anyagi minimumot. A főnöke javaslatára ismerkedik meg Henryvel, a kedvenc brooklyni kávézója baristájával. Henry hamarosan megismerteti Zoey-t "Az Anyagi Szabadság Három Titkával". Zoey elsőre elveti őket, de végül belátja valódi erejüket. Zoey egyetlen hét leforgása alatt felfedezi, hogy máris annyit keres, amivel biztosítani tudja az anyagi jövőjét, és megvalósíthatja a legigazabb álmát, és ehhez elég csak pár könnyen végrehajtható igazítást eszközölnie a hétköznapi teendőiben. A Latte faktor lerántja a leplet az anyagi szabadság elérésének titkairól, arra ösztönzi az olvasókat, hogy belássák: sosem késő megvalósítani az álmainkat. Egy egyszerű, bizonyítottan bevált módszert követve, amivel Henry ismerteti meg Zoey-t. Már ma bárki végrehajthat olyan apró változtatásokat, amik egy életen át nagy hatással vannak a mindennapjaira. "David Bach az a pénzügyi varázsló, akire érdemes odafigyelnünk, amikor az anyagi helyzetünk szorításában vergődünk" Tony Robbins

Miért nem kell gazdagnak lenned ahhoz, hogy gazdagként élj!

A latte faktor

大卫·巴哈

叶家兴

起步晚, 照樣致富

Neste livro, David Bach lhe oferece instruções passo a passo sobre tudo o que você precisa para pôr em ação o plano Fique Rico, Mesmo Começando Tarde. Ele é inspirador, fácil de seguir e baseado em princípios financeiros comprovados. Construir um futuro financeiro seguro não é algo que se faz da noite para o dia. Exige tempo e esforço. Mas você pode conseguí-lo. Não é porque começou tarde que você está fadado a um futuro incerto. Mesmo que esteja nos seus trinta, quarenta, cinqüenta anos - ou mais - ainda é tempo de dar uma virada. Nunca é tarde demais para viver bem e ficar rico. Basta a decisão de começar.

David Bach

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