The Latte Factor

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

By: David Bach, John David Mann

Narrated by: Mizuo Peck, David Bach

Length: 3 hrs and 59 mins

Publisher's summary

Instant New York Times, USA Today, Wall Street Journal, and international best seller

Discover number-one New York Times best-selling 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 best-selling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a 20-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’ 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 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 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, number-one New York Times best-selling author of Money: Master the Game).

PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio.

©2019 David Bach and John David Mann (P)2019 Simon & Schuster

I love this book!

This book takes my favorite chapter in The Automatic Millionaire and delivers sound financial principals in an easy to read, easy to listen to story. You don’t have to give up coffee. It’s a metaphor. Small changes in the way you spend your money can give you financial freedom. The earlier you start the greater the benefit of time and compounding interest. Financial freedom is not being taught as public school curriculum so as you learn teach your children.

Great book

Loved it
It inspires you to review your finances and dreams. Change your perspective about money

Loved it!

Such easy and enjoyable listening that I couldn't wait to get into my car to hear the rest of the story. Very well written with a great message!

A MUST read!!

The illustration through a story was brilliant and relatable. So smart and simple. LOVED it!

Easy listen- you don’t even realize you’re learning

I enjoyed the story so much I didn’t realize there was a lesson. Well written, easy read/listen.

I took away a lot from this book and was able to revise my budget and set goals.

Interesting, thought provoking, life changing

I'm glad I read this. Im almost 30. this book addressed all of the fears I have about saving and financial overwhelm.

Inspiring, informative, possibly life changing?

This book opened my eyes and gave me a new perspective. "If you don't know where you're going, you might not like where you end up."

It forced me, unintentionally, to step back and really see the way I treat finances & my own life. It made me think about how I spend my days, what I fill my time with. Is what I'm doing everyday bringing me closer to the life I want? Or am I simply trying to give myself some sort of immediate gratification. Will I be happy about my choices & actions 5, 10, 20, 40 years from now? Am I making the most of my money? Am I spending intelligently? This book gave me a lot of clarity. I cried, I laughed, I got slapped in the face with reality and some hard truths, I was overwhelmed, inspired, guilted, & shamed. It was a roller coaster, but in the best way possible... because it has lit a fire under my ass & taught me so much I didn't know.

As I listened to the book, I spent that week getting my shit together. I'm feeling lighter, less stressed about my finances and future. Feeling like I can follow joy instead of a massive income & live a life I actually want to live.

Everyone should read this book.

Awesome story that I listened to in 2 days!

Listened to your podcast yesterday morning and you mentioned The Latte Factor. I had one credit on Audible and decided to use it on this book. I finished it in 2 days! Looking forward to your next one. Have fun in Italy. Michelle from Broomfield, Colorado.

YESSSS!!

I loved this book!
Great story!
Life changing education!
Excellent information!
Wish I had read it 20 years ago!
Thank YOU!!

inspiring

I want to learn more. planning to download his other books to have a better understanding of finance and investing