The Latte Factor: Why You Don't Have to Be Rich to Live Rich

· Simon and Schuster
21 reviews

About this ebook

“A three-step process to financial freedom” from the #1 New York Times–bestselling author of The Automatic Millionaire (Jon Gordon, bestselling author of The Energy Bus).

Drawing on the David Bach’s experiences teaching millions of people around the world to live a rich life, this fast, easy read reveals how anyone—from zillennials to baby boomers—can still make his or her dreams come true.

In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann (The Go-Giver) tell the story of Zoey, a twenty-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’s 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 that 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 that it’s never too late to reach for your dreams, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times–bestselling author).

Ratings and reviews

21 reviews
Claudia Boco
May 6, 2024
I was looking for a book that would help me start saving up, and loved that this is my first book about money. It was narrated into a story which let's you experience the scenario in your point-of-view. Easy to understand points. And well explained topics. Not boring! Just like the protagonist, "Budgeting" is a word that could put me to sleep. 😂 But how this book was written was fun and it feels like a short story where you can finish it in one sitting. A must read for a fair price!
Did you find this helpful?
Aini Wijaya
September 15, 2019
Very easy to understand and very interesting story. Such a basic knowledge for those beginner out there who wants to self-learn about financial!
3 people found this review helpful
Did you find this helpful?
Ruben Serrano
July 27, 2023
fresh story with a bunch of simple advises you can follow to make great changes in your personal economic life.
Did you find this helpful?

About the author

David Bach is one of the most trusted financial experts and bestselling financial authors of our time. He has written ten consecutive New York Times bestsellers with over seven million copies in print, including two #1 New York Times bestsellers The Automatic Millionaire and Start Late Finish Rich. In addition to his books, David has impacted millions of people over the past two decades through his seminars, speeches, newsletters, and thousands of media appearances. He is also the cofounder of AE Wealth Management, regarded as one of America’s fastest-growing financial planning firms, and the founder of FinishRich Media, a website dedicated to revolutionizing the way people learn about money. Learn more at

Rate this ebook

Tell us what you think.

Reading information

Smartphones and tablets
Install the Google Play Books app for Android and iPad/iPhone. It syncs automatically with your account and allows you to read online or offline wherever you are.
Laptops and computers
You can listen to audiobooks purchased on Google Play using your computer's web browser.
eReaders and other devices
To read on e-ink devices like Kobo eReaders, you'll need to download a file and transfer it to your device. Follow the detailed Help Center instructions to transfer the files to supported eReaders.