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Start Late, Finish Rich


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About the Author

David Bach is the author of the runaway bestseller The Automatic Millionaire, which spent fourteen weeks on the New York Times bestseller list, and was simultaneously number one on the New York Times, USA Today, BusinessWeek, and Wall Street Journal business bestsellers lists. He is also the author of the national bestsellers Smart Women Finish Rich, Smart Couples Finish Rich, and The Finish Rich Workbook. Bach has appeared twice on The Oprah Winfrey Show to share his strategies for living and finishing rich, and he is a regular contributor to CNN's American Morning. His FinishRich(R) seminars are the leading financial seminars in North America, having been taught by thousands of financial advisors to more than half a million people in more than 2,000 cities. He lives in New York with his wife, Michelle, and his son, Jack. To read excerpts of any of David Bach's books, please visit his website at www.finishrich.com.


The seventh book in seven years of the Finish Rich series (two million in print) is aimed at older readers who have neglected their savings. It reads like an infomercial script, brassily positive and unrelentingly motivational. Anyone can finish rich, says Bach (Automatic Millionaire, etc.), if they are willing to "spend less, save more, and make more." The bulk of the book describes a variety of tactics and strategies (many covered in his previous books) for accomplishing these three tasks. Readers of financial help books will have heard many of Bach's ideas before, but he does deliver a lion's share of solid advice in an entertaining format, and, for good measure, he throws in an occasional counterintuitive gem, such as why paying off credit card debt can be "a huge mistake." He also anticipates and overcomes common objections ("dealing with debt doesn't mean putting the rest of your life on hold"), although anyone impolite enough to push back too hard is dismissed: "I have a term for negative people who seem to enjoy raining on other people's parades. I call them ?dream stealers,' and I try to avoid them." Agent, Jan Miller. (Jan. 4) Copyright 2004 Reed Business Information.

Start saving and stop spending-advice as familiar as Ben Franklin's "a penny saved is a penny earned." But best-selling author Bach (The Automatic Millionaire) makes it sound so much nattier when he coaches readers to calculate their double-latte factor-those little indulgences that, when curbed, can froth into huge savings down the road. Bach hammers home a number of well-worn yet worthy principles, like buying a home instead of renting, cutting expenses, asking for a raise, and paying off those pesky credit card debts, all the while saving, saving, saving. From offering advice on supplementing day jobs with pursuits like small home businesses or e-bay to analyzing how real estate, direct selling, and franchising can contribute to financial success, Bach's enthusiasm is infectious. And after all the practical advice, he does not neglect the more humane elements of financial planning-giving to worthy causes and living richly and fully. This book will be appreciated in public library business collections by the latte-sipping set, who will be glad to learn that it's never too late to take control of one's financial futures.-Carol J. Elsen, Univ. of Wisconsin Libs., Whitewater Copyright 2005 Reed Business Information.

"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

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