The Latte Factor: Why You Don’t Have to Be Rich to Live Rich by David Bach, John David Mann

From Goodreads: “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.”


I read The Latte Factor: Why You Don’t Have to Be Rich to Live Rich
by David Bach, John David Mann several years ago when I was running three money-saving websites. It has a lot of good, practical information on finances. And today, you can get the Kindle version of the book for only $2.99. That’s a really good deal on a very helpful book that has 725 5-star ratings on and has almost a 4-star rating on Goodreads

An excerpt from the book, provided by

“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?”

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