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Publisher's Summary

Start Late, Finish Rich applies David Bach's financial wisdom to all those who forgot to save (or just plain procrastinated) and are worried that it is too late to achieve financial freedom. For those who worry that they'll never be able to retire on their current savings, hope and help have arrived. David's message is that it is never too late to finish rich.

This audiobook will provide a plan that anyone can follow to use the power of concepts like "Pay Yourself First", "the Latte Factor", and "Make it Automatic" to build wealth fast, as well as all-new strategies tailored to the needs of late bloomers. Whether in your 30s, 40s, 50s, or even older, Bach's simple, clear, concise, and empowering guide provides an easy game plan for building a healthy savings.

©2005 David Bach (P)2005 Books on Tape, Inc.

What members say

Average Customer Ratings

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  • 4.5 out of 5 stars
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  • Overall
    2 out of 5 stars
  • Huck
  • Fairbanks, AK USA
  • 07-16-07

Argh

I loved David Bach's Automatic Millionare and the associated audio book - it tanslated well and was engaging.

This book would be a great read but the audio book was horrific! The author narrates through the charts in the book in a monotone voice for what seems to be unending minutes. The book and topic are well worth reading - but skip the audio book - - - I had to turn it off after the 3rd or 4th chart out of sheer boredom.

Buy the book and not the audio version for this one! - or at least read the book first

14 of 14 people found this review helpful

  • Overall
    4 out of 5 stars
  • James
  • toronto, Ontario, Canada
  • 03-28-05

Sound advice, but...

This is a good book, with some solid ideas. The detail with which he explains his theories is both good and bad. For one thing, in the printed version, there are a lot of charts, so in the audiobook the narrator reads off all the repetitive stats from the charts in a very long, monotonous way. In the text version, you would just glance at the chart, get the gist, and move on...in the audiobook, you have to listen to it for over 5 minutes sometimes. A little annoying, because you get the concept after the first few examples, then have to listen to him drone on through the whole chart.

Also, a lot of the advice relates directly to Americans only. I am Canadian, and though I found the general theories sound, the specific advice (401k, etc) was not as helpful.

All in all, a worthy buy.

42 of 44 people found this review helpful

  • Overall
    2 out of 5 stars

I hate to agree but ARGH!

The lists! List, after list, after list!

Nothing against the narrator, he's actually fine as far as I am concerned. Also, nothing against the book - I plan to go buy a paper copy. BUT, I just could not keep listening to the lists of information! They went on and on, well past the time when the point had been made!

If the lists were printed in a pdf to go with the book, the book would be fine, since the rest of the info is great.

11 of 11 people found this review helpful

  • Overall
    2 out of 5 stars
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    2 out of 5 stars
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    2 out of 5 stars

BORING! Too boring even for a financial nerd!

First, when someone is worried that they have started too late to finish rich (or even comfortable), the last thing they need to hear is that someone in their thirties is considered starting late! Most people who are likely to buy this book are probably in their late 40's and 50's and they don't want to hear how a 30 year old has 4 decades to pursue growth! They want to hear how they, the ones who truly started late, can improve their financial outlook at retirement.

Second, this book gives table after table after table. I wouldn't want to read these tables and I sure as heck don't want to listen to them. "At 3%, after 5 years you have X. After 10 years, you have X. After 15 years, you have X. After 20 years, you have X. After 25 years, you have X. After 30 years, you have X. At 4%, after..." Good grief! That goes on forever! Then it repeats again and again! I own a calculator, I can figure this out!

Third, this book is like listening to a phone book, as well as book of tables. Does the author tell us about low cost brokerages and they help achieve our goals? No. Instead, he gives us the names pretty much every brokerage that exists, along with listing their addresses and phone numbers. That is is ridiculous! In addition to my calculator, I have a phone book! Then he goes on (and on and on) about mutual funds. No, not the value of mutual funds or really how they help you meet your goals, but their names, addresses and, yes, phone numbers.

Most of this book was the tables, addresses and phone numbers! Oh, yeah, and stories of young people who didn't believe that they too could be rich in 40 years!

What did I learn from this book? I learned that I'm screwed, since I'm the likely normal person who would interested in this book...truly an older person wanting to improve my chances at finishing rich, and I don't have 2, 3 or 4 decades to do it. And if there is a way to do it, I didn't learn how from this book.

5 of 5 people found this review helpful

  • Overall
    5 out of 5 stars
  • Terry
  • Nelson, British Columbia, Canada
  • 12-11-05

Makes you a better person

Tells you those little things that will allow you to have a better now and a great future. I immediately did three things in the book that prior to listening to it sounded insurmountable, after listening, couldn't figure out why I didn't do it years earlier. I bought an investment building, with no real impact on my life, with little risk, with equity I didn't give consideration to in the past. It's three months later and everything is working as expected. Easy to listen to.

5 of 5 people found this review helpful

  • Overall
    5 out of 5 stars
  • D.J.
  • south bend, IN, USA
  • 01-14-06

A Great Way to Start

Start Late,Finish Rich does a great job simplifying financial survival and independence with some very basic, sound financial principles of Spend Less, Save More, and Earn More. He has excellent, realistic ideas that almost anyone can impliment in changing their money habits. I have started already.

4 of 6 people found this review helpful

  • Overall
    5 out of 5 stars
  • Larry
  • Little Falls, NY, USA
  • 05-27-05

Basic Common Sense

Full of basic common sense items to jump start your financial future.

5 of 9 people found this review helpful

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

Perfect suggestions!

Perfect suggestions and recommendations. David Bach does it again. A must read for everyone. Cheers!

  • Overall
    3 out of 5 stars
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    4 out of 5 stars
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    2 out of 5 stars

Lacked new information

I like David Bach and read his other 2 books An Automatic Millionaire and Smart Couples Finish Rich. However I feel this book failed to offer me anything new. I was disappointed in it. Why did I give it a three. The overall philosophy is good and informative but I feel this was repetitive.

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars

interesting, exciting, Made For Dummies,

imagine reading this book would have been cheesy. It turned out to be an eye-opener and giving refreshing comfort knowing that I have so many options and a few that I've already started while reading this book in order to start late and finish rich in my 30s

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  • Joshua
  • 12-13-13

So simple yet so effective

There are few books that can really give you a clear step by step process to allow you to make a change or make an improvement in your life where u can see immediate effect. I got the book, listened to it through, listened again looked into different accounts, schemes etc. Set up my various pots for automated monthly savings and VOILA! Savings in an instant! So simple and so effective...

I also then listened to a couple of his other books... he's a lucky man that can basically use the same principles but changes the title of the book to give the same message. Thankfully he is articulate and to the point and conversational so he holds your attention well.

If you're struggling to get a hold of your money issues this book is a great help to get you started with immediate results!

3 of 3 people found this review helpful

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    5 out of 5 stars
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  • VLP
  • 03-03-18

Missed David’s narration

Good tips and some great nuggets of golden info. But missed David’s voice.

Case studies are very inspiring.

  • Overall
    4 out of 5 stars
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    5 out of 5 stars
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    3 out of 5 stars
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  • Onewave
  • 11-09-17

good advice, great advice if you live in the US

specifically aimed at us listeners. good principles every one should know.
down side: long lists of tables and website listings are hard to listen to.

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    4 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars
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  • Anonymous User
  • 06-22-17

Great

Very good book. Some of the content was lost on me due to it being geared toward Americans. I am in the UK. Nonetheless it's a great listen and has lots of useful tips and philosophies on saving, investing and giving.

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    5 out of 5 stars
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    4 out of 5 stars
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    5 out of 5 stars
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  • demoncleaner
  • 06-14-17

A must-listen for everyone.

Everyone should read/listen to this book or another by the same author. Insightful, simple and actionable.

  • Overall
    5 out of 5 stars
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    5 out of 5 stars
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    5 out of 5 stars
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  • mp
  • 09-19-15

A life changing book!!!

Absolutely fantastic piece of work. Endless source of brilliant ideas and clues but very simple and logical. Highly recommend for everyone and every school in the world on every level. A great job and big thank for the author of this phenomenal book.