The Latte Factor

Why You Don't Have to Be Rich to Live Rich
Narrated by: Mizuo Peck, David Bach
Length: 3 hrs and 59 mins
4.5 out of 5 stars (929 ratings)

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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

What listeners say about The Latte Factor

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    4 out of 5 stars

The book told me that I should return it

After reading this, I think my subscription to Audible is my latte and I should probably cancel it! All in all, this is a very short read and priced higher than necessary. Thankfully, I purchased it on sale. The story is super relative to anyone who earns a paycheck and the characters are semi-realistic. I appreciate the narrative for this type of life lesson and will most likely read more Bach books thanks to the interview at the end of the book.

6 people found this helpful

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Wow, and not in a good way. (Audible version)

I try to be careful picking books, and I almost never return a book. I think this is the second in 5 years that I've returned. I just couldn't keep listening. It was boring ,so very, very boring. I listen to books on my commute, and this was entirely too soporific. The combination of the narrator's monotone and the lackluster parable about an educated young professional woman who needs a smart older man to explain everything to her was terrible. I increased the speed because that often helps, but not in this case. I have read David Bach in the past, and have recommended a couple of his books to friends and family, but this one I'm sorry to say is not one I would recommend to anyone.

4 people found this helpful

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Long millennial targeted story

Skip to end of book for summary.... otherwise its a long uneventful ride. The charts are interesting

3 people found this helpful

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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.

7 people found this helpful

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What an amazing book

I’m almost 40 and always thought I wouldn’t know what to do with my money because I wasn’t taught about it growing up. This book reminded me to take control over my life today and stop complaining what didn’t happen

2 people found this helpful

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It's Good, but not Mind Blowing

Good book, but not great book. I could tell you the entire story and the top lessons in about 10 minutes & you would be good to go. Good for someone who is very uneducated about money or who has no idea about anything to do with finances. Wouldn't necessarily recommend.

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luke warm

Basics for investing, a little too much fan fair. great for taking the first step for any investor.

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Good advice, slow reading

Speed up to 1.5X otherwise this audiobook is boring. It’s a little bit sad because the content is actually good.

1 person found this helpful

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I want to like this book...

Acting is terrible I can't get through the first chapter. I May read paperback instead.

1 person found this helpful

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As a financial advisor...

As a financial advisor I recommend you buy this for every young person (early college to about 40ish) you care about. It doesn’t have everything they need...but it has the building blocks everyone needs.

If I didn’t need to consume the book before I start handing it out to clients’ kids the narrator would have turned me off in the first 5 mins.

1 person found this helpful

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  • Anna de Vena
  • 05-16-19

Fantastic message... with some added speed!

A MUST READ FOR ALL WOMEN who want to be part of the revolution we need to create in order for women to be financially secure throughout our lives.

I found the narration too slow at first, but when I sped it up to 1.25 speed it was perfect and her voice was very engaging.

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  • Anonymous User
  • 05-01-20

Nice story but very basic

An easy listen but at the end of the day fairly familiar, basic messaging e.g. the impact of compounding interest; benefits of removing wasteful spending.

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  • Shweta
  • 04-29-20

Read it. it will change your mind set

David has used very easy to understand language and examples to make us understand how important it is for us to pay attention to where are you spending our money. Simple thing like coffee, we normally drink every day $3.50 to $7.00 a day which means up to $49 a week and up to $196.00 a month if we don't pay attention. Great book just read it.

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  • Elizabeth Rebolledo
  • 08-15-19

MUST READ FOR EVERYONE (WHO IS NOT A MILLIONAIRE)

Absolutely loved this book. Incredibly easy to follow and understand. I have already made some big changes to my personal finances. I've been recommending it to almost anyone who will listen to me. I have also now signed up for his podcasts. LOVE LOVE LOVE IT!

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  • Anonymous User
  • 07-08-19

Loved this book

Thank you David for such a wonderful and heartfelt book. I really connected with it and putting changes into place now.
Everyone needs to read/listen to this book to build a secure future and to live their dream life now.

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  • Anonymous User
  • 06-30-19

Everyone needs to read this

A great story with a some serious money wisdom. Some money books are hard to read, not this one!!! Basic advice that everyone can follow to live their life to the fullest and to be rich now!

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  • Anonymous User
  • 05-22-19

Fantastic Book!

Great easy read/listen. Lots of life lessons. Written in a parable format so you dont even realise you are learning lessons. Narrated beautifully. Highly recommend.

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  • Rishav Gupta
  • 05-19-19

love this book

I finished this book within a day! not only it was interesting to listen it was also an eye opener to how we take little things for granted and how they can make a big impact.