Start Late, Finish Rich

A No-Fail Plan for Achieving Financial Freedom at Any Age
Narrated by: Michael Kramer
Length: 11 hrs and 17 mins
4.4 out of 5 stars (439 ratings)

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Publisher's Summary

Number one New York Times best seller 

Are you wondering if it is too late for you to be rich? David Bach has a plan to help you live and finish rich - no matter where you start As a number one best seller in its hardcover edition, Start Late, Finish Rich has helped hundreds of thousands of people of all ages take control of their financial future. Now you, too, can ramp up the road to financial security with David Bach’s inspiring, proven, and easy-to-follow “catch up” plan, which tailors his “Finish Rich” wisdom to those who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges. 

In a swift, motivating listen, David Bach gives you step-by-step instructions, worksheets, phone numbers, and website addresses - everything you need to put your Start Late plan into place right away. You will learn that even if you’re buried in debt, there’s still hope. You can spend less, save more, and make more - and it doesn’t have to hurt. With America’s best-loved money coach at your side, it’s never too late to change your financial destiny. 

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

What listeners say about Start Late, Finish Rich

Average Customer Ratings
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  • Overall
    2 out of 5 stars

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

30 people found this 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.

18 people found this helpful

  • Overall
    4 out of 5 stars

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.

51 people found this helpful

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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.

13 people found this helpful

  • Overall
    5 out of 5 stars

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 people found this helpful

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    5 out of 5 stars
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    5 out of 5 stars

Better to get a copy than Audible

It is a resourceful and helpful book and there is nothing wrong with the narration, either, but it is not suitable for an audio book since it refers to URLs many times. It was not fun to keep listening to the narrator repeating "www..." for over 10 minutes, reading a huge list of websites when I was listening to it while driving, meaning when I could not forward nor stop the audio. And of course, I need a hard copy anyway for those info which I wanted to skip during my drive.

4 people found this helpful

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    1 out of 5 stars
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    1 out of 5 stars

Outdated

This book may have been great when it first came out but now the information is very outdated. You can still get some tidbits here and there but it’s not worth listening to the incredibly boring voice reading it.

1 person found this helpful

  • Overall
    5 out of 5 stars

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 people found this helpful

  • Overall
    5 out of 5 stars

Basic Common Sense

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

5 people found this helpful

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    4 out of 5 stars
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    3 out of 5 stars

Book layout

The book starts out good then he rambles on in several chapters reading chart after chart had to skip all then. Then the last 4-5 chapters are about rereading chapters he already read.

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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!

4 people found this helpful

  • Overall
    5 out of 5 stars
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  • abi
  • 08-26-19

great

will be listening again. very inspired and will act89n every step in line with UK versions/laws

1 person found this helpful

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    5 out of 5 stars
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  • FaMa
  • 02-13-19

If only they would teach this kind of stuff in secondary schools

A very good listen. Some bits very repetitive as the narrator keeps reading facts and numbers which go on for minutes and minutes!! Would I recommend the book = YES

1 person found this 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.

1 person found this helpful

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    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.

1 person found this helpful

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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.

1 person found this helpful

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  • ikechukwu onwukwe
  • 09-04-20

Empowering!

Eye opening and very practical steps that any one can take to finish rich indeed no matter when you start.

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    5 out of 5 stars
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  • M J C Lansdowne
  • 07-12-20

Life changing advice! Must read!

Such a good book! Definitely worth a read. It’s based on US financials but could easily be translated into UK terms by a decent Finacial advisor.

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    5 out of 5 stars
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  • fifi
  • 06-16-20

life changing

wonderful book with lots of tips. it's from 2005 but still relevant for today. I recommend it to anyone any age

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    1 out of 5 stars
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  • Andrea Worrall
  • 06-03-20

Out of date

I’m only just starting this but he’s talking specifically about US and from 1960s to 2001 the most recent data - it’s OUT OF DATE. The principals may be the same but specifics wouldn’t be anywhere near relevant today. Refund required!