(My Jones fund) and I’m fully aware I have no nest for the future. and will have reduced my overdraft down to £0 by next month. Hi Marie and David, xx. Aspen Hall of Fame. No matter what. Thank you so much for the wishes and link to the episode! Hey there, Thu! Well, my business idea is to create, update and track budgets for people who need a budget but don’t have the time or energy to do it themselves. #powerinaction. Take into consideration inflation, service fees, taxes, etc. And, lastly, I commit to living rich. xoxo. ©2019 David Bach and John David Mann (P)2019 Simon & Schuster Save $50 on your first year Exclusive Prime Offer: For a limited time, get an Audible Annual Membership with 12 credits upfront, good for any of the titles in our premium selection, for just $99.50. So much! David you are a special being that is doing what you where born to Do!!!! My husband and I (both self employed) automatically save monthly to retirement, emergency, college and vacation accounts each month. From David Bach Now! I’m 63, lost everything- starting over wtih NO income except half the social security I was suppose to get- and a couple of opportunities online that I AM going to take advantage of big time. Money has been a struggle recently because I was without work for a little bit and my husband and I had a couple of moves that ate up most of what we had saved. It has been six months since I quit my job, used my miles to come to Bali. Although I am retired I am looking forward to reading The Latte Factor – I am going to get copies for my daughter, grandson and niece. I loved this episode! All it takes is a few things (like paying yourself first). That is it. Thank you David! Xoxo Niki in Philly. 1. Just bought two of David’s books – one for me and the Latte book for my amazing niece who is starting high school. So inspiring! Manager, Market. The biggest gift I have ever given myself and been given. I love this interview and the sage advice shared. Thank you. If not, you’re trapped”…. My biggest take away from this was to be so grateful for the people who taught me this so that I haven’t felt trapped, but also that I need to do better at spreading this message and now I have an awesome resource to share with others! Im so stuck at moment but know somehow after your story I can succeed financially & not be so scared !!! Is this book only relevant to Millennials? I even implemented a new financial practice that I made up myself the day I finished the book as a direct result of the book. I saw that I had not “paid myself first” when I received payment for a large contract earlier this year. Congrats, Nyla!! I managed to save 15,000€, just from not being to lavish with organic food, and spending less on crap we don’t actually need. specific to the US residents? This was PERFECT! Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age 1St edition by Bach, David (2005) Hardcover 4.3 out of 5 stars 11 Hardcover Thank you as always for your brilliant advice xo, It’s not too late, Ally! “David Bach moves audiences worldwide with his message of hope and inspiration. I absolutely love this. I’m on that place and I know I’m on the cuff of changing and leaving the “corporate box” as he called it. This can be done by prioritizing spending. Thank you so much Marie Forleo, for this valuable interview. Miranda Fisher. Hi Mary and David, But I will let that go because what matters is not to dwell on the past and put myself in a victim mode. I really want to be financially independent AND want to do something different and bigger and follow my dreams. You’re on the right path already by being here and open to making some shifts. I have now bought the audible version of this book and look forward to listening to it. We are disciplined about saving for those things that are important for our future and the money come out before we even see it. It was the right thing for me at just the right time! The tangible, actionable steps outlined help me to know that I can take charge of my finances and realize my dreams. Money talks and saving and getting smart about money has always been an issue, always seemed so difficult to master. Life can change in the blink of an eye- I lost my husband suddenly at 42 and teetered on the cycle of poverty for years. It’s definitely relevant for everyone, not just millennials. I have struggled with saving effectively. I always tell myself that I can’t afford to save for retirement right now, but your metrics clearly indicated that I can. David Bach "I am truly honored with this acknowledgement from Kurzweil Music Systems and am thrilled with this Artist endorsement. We have lost almost all of our revenue last year due to the political upraise in the country, we have a mortgage to pay off and are struggling to get by at the moment but still I know I can do this. I’ll be reading The Latte Factor for sure! 9 in the UK, and the title track is one of the band's biggest hits, reaching No. I wish I knew about David and you back in my 20s… Thank you David Bach! It’s great that you’re already saving. !” I WILL be doing these things suggesed in the book and will get ALL his books. Is there a different book of his that would be better for me? KNOW it will impact their lives when they apply the principles taught within. Sounds like you’re on the road to amazing things and we’re rooting for you every step of the way! The way he talks about money and explains it is so easy and encouraging! Thank you, Luciana! Which book of David’s will you suggest to start with since there’re so many. Thank you for reminding us that David Bach has our back! So my question: How can I start saving, when I need to pay of a loan?. This was amazing – I can’t wait to share it with both my kids AND my career coaching clients! Keeping these habits has allowed me to take risks, live around the world and on my own terms. Woohoo!!!! Sandra. It made me realize that if I did not make those 2 massive changes (comfort zone changes). I had a good job as a pharmacist back in my country Venezuela, but I never took care of my income, instead I will let my ex husband managed it. Paying yourself first is putting you first, showing everyone you value yourself first. Meet David. Thank you SO MUCH!!! My soul has so many games that I need to “play!” Thank you so much for sharing your story, David, thank you. This was one of the first conversations about money that made me feel encouraged to do better and also helped me realize I’ve already positioned myself in a more secure financial situation than many. I just took action and opened saving account. 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