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INSTANT NEW YORK TIMES, USA TODAY, WALL STREET JOURNAL, AND INTERNATIONAL BESTSELLER

Discover #1 New York Times bestselling 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 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. 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, #1 New York Times bestselling author of Money: Master the Game). "David Bach is the one financial expert to listen to when you're intimidated by your finances. His powerful and easy-to-use program will show you how to spend, save and invest your money to afford your dreams." -Tony Robbins, #1 New York Times bestselling author of MONEY: Master the Game "When I first started my career, I was deep in debt and full of shame, fear, and embarrassment about money. David Bach's books helped me turn that around and create real financial freedom. On MarieTV we featured David and his Latte Factor challenge-and the results for our community were immediate. The Latte Factor works!" -Marie Forleo, author of Everything Is Figureoutable, host of the award-winning show MarieTV "David Bach has a masterful ability to translate the complicated world of investing into terms we can all understand. The Latte Factor may be his simplest and most powerful message yet." -Simon Sinek, optimist, New York Times bestselling author of Start with Why and Leaders Eat Last "David Bach has inspired millions worldwide to be smarter with their money; now this great story can inspire you to take action to live your best life. You truly don't need to be rich to start investing and go for your dreams."-Jean Chatzky, financial editor of NBC's Today, host of the HerMoney Podcast "Sometimes a story is worth a thousand pieces of unheeded advice. Let this lovely tale, laced with practical wisdom, inspire you to make a few elegantly simple changes-without budgeting-to build the wealth you need for a life you love." -Vicki Robin, author of Your Money or Your Life "The Latte Factor is a masterpiece. David Bach's strategies helped me become a millionaire at 30. Read this book, put it into practice, and then share it with everyone you know. It will change your life." -Grant Sabatier, author of Financial Freedom, creator of Millennial Money "The Latte Factor is a soulful journey that will inspire you to live your dreams now. Bach and Mann's storytelling genius make this a life-changing book of our time." -Farnoosh Torabi, host of So Money, author of When She Makes More "David Bach moves audiences worldwide with his message of hope and inspiration. The Latte Factor will stir your heart and uplift your soul. It is so very worth your attention, contemplation, and implementation." -Robin Sharma, bestselling author of The Monk Who Sold His Ferrari and The 5 AM Club "David Bach's advice is masterful. He takes the complicated and makes it simple-it's literally a three-step process to financial freedom. You can do this!" -Jon Gordon, bestselling author of The Energy Bus and The Power of Positive Leadership "Forget the lottery, Prince Charming, or the pot of gold at the end of the rainbow-The Latte Factor will show you a path to a winning, rich life. A must-read for every woman from every background." -Nely Galan, Emmy Award-winning producer, New York Times bestselling author of Self Made, first Latina president of entertainment for a U.S. television network (Telemundo) "An instant classic, The Latte Factor is the perfect gift for people of any age who don't like to think about finances-and are poorer and unhappier because of it. Invest one hour to read this book and reap positive returns for a lifetime!" -Ken Blanchard, coauthor of The New One Minute Manager and The Secret "A game-changer! This incredibly powerful story will change your life. Anyone from any generation or background can use this book to fuel their dreams and empower their future." -Sarah Jakes Roberts, author, businesswoman, and media personality "This is one of the freshest, most exciting and fun reads I've had in a long time: a 'quake book'-one that totally flips your mindset upside-down and gives you a 10X better operating system. The Latte Factor will completely transform your relationship with money and happiness." -Benjamin P. Hardy, Inc.com "Bach and Mann's The Latte Factor will help you learn how to best identify what you value most, so you can spend, save, and invest to live a life aligned with your goals." -Erin Lowry, author of Broke Millennial Takes on Investing "David Bach has been my friend and guide for almost a quarter-century, and he has never failed to amaze me with his genius for making the complex world of finances approachable to everyone and his genuine caring about making an impact in people's lives. The Latte Factor is a book for all time!" -Louis Barajas, author of The Latino Journey to Financial Greatness "Iconic financial expert David Bach has inspired tens of millions of lives with his Latte Factor method. You owe it to yourself to read The Latte Factor and share it with those who matter most to you. In less than an hour you'll learn truly how to become a financial grownup." -- Bobbi Rebell, CFP (R), author of How to be a Financial Grownup, host of Financial Grownup Podcast, former Reuters Business TV anchor "I have known David for over a decade. His timeless principles will inspire you to live a life that goes beyond wealth, and one that embraces meaning and giving." -- Scott Harrison, founder of charity: water, New York Times bestselling author of Thirst "For more than two decades, David Bach has been changing lives through his simple yet impactful teachings about money, investing, saving, and building wealth. I know this because I featured the Latte Factor principles on The Oprah Show and watched David transform tens of millions of people's lives. And we didn't just talk about the Latte Factor-we put it to work in our own lives!" -- Candi Carter, executive producer of The View, former producer of The Oprah Show "A captivating story packed with aha! moments. The Latte Factor will surprise and delight you-and it will transform the way you think about personal finances." -- Michael Hyatt, New York Times bestselling author of Platform and Your Best Year Ever "Every college student across America and around the world needs to read this book. David's advice is so powerful because it is so easy to implement, and the tale he shares is both heartfelt and inspirational." -- Dr. Jennifer Aaker, General Atlantic Professor at Stanford Graduate School of

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