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The Latte Factor cover art

The Latte Factor

Written by: David Bach, John David Mann
Narrated by: Mizuo Peck, David Bach
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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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book for beginners

I'd you have trouble with debts, budgets, savings it is a good book for you. easy to understand with the story he took

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American take on Canadian The Wealthy Barber

This has three lessons pay yourself first, make it automatic and live with no regrets. Concepts have been told before in the book called The Wealthy Barber only this story is wealthy coffee shop owner. Just get the other book as it offers more.

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unrealistic and boring story

this book is a never ending fictional story. the author tries to develop these characters but its just too painful to listen too. I bought this book to learn something and it could have been summarized in a few bullet points.

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not recommend

some of the content for finance is really good however the delivery and fake accents are so boring and hard to listen to.

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Best Audio I have ever listened to on Finances

I have read many books on Finance and this is one of the best books I have read in years. It reminds me of the Wealthy Barber in that it is told in a story format. The difference though is very profound is that David talks about his Latte Factor and what it can do for you and how much it can make an impact. I have been looking at my many Latte Factors for the last 4-5 months and I have cut my Latte Factor by about $2,000 a month of just wasteful spending. So for me what this means is my loan will be paid in full by the end of August, which is over a year and 3 months earlier. Also means that I will be able to put over $300 a month starting September. I am currently putting $150 a month, which is $5 a day away each month. I have been putting at least $5 a day for over 5 years now.

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Ok

There was too much story before we get to the actual financial advice. It was too slow moving. But when the financial advice started coming in, it was good. Lots of great timeless wisdom similar to the wisdom found in David Bach’s other older books. The first thing was pay yourself your first hour of work each day. The second thing was make it automatic - willpower not needed - pre-authorized saving. Then there were many more tips.

I enjoyed the description of the Texan people that made and lost millionaires. Big hat no cattle.

The book ended happily. The protagonist turned 30 at the end. This book is definitely for a person in their 20s working at their first job that needs some basic financial advice on how to get started in life.

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Very Basic Intro to Personal Finance

If you've already read the Wealthy Barber, JL Collins work, or any other fundamental books on personal finance, feel free to skip right past this one. If you want a very light, fictional narrative to introduce someone young to very basic concepts of personal finance, this is a good jumping off point for them (think teens, early twenties, haven't heard about saving for retirement before, haven't been introduced to compound interest or exponential growth). If you're already putting money into a 401k or RRSP / TFSA, you're already steps ahead of this book and can move on to something else in your life. Interestingly, the book argues that its quite reasonable to expect 10%+ annual returns, which is much more optimistic than the 7% to 8% I typically see referenced by other professionals in the field.

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A great story about money

I’ve loved the way this books talks about money within an interesting narrative, instead of being a course about money. I think this can reach a lot of people who need to hear this message of conscious spending, and starting the sooner, the better.

Thank you Mr. Bach for this work.

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Great story! Keeps you listening.

At no point was I bored of listening to this story. it kept me entertained wanting to find out what happens. I recommened this to everyone right now to listen to! I listened to this on a long flight and it was great. Thanks a lot

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Relatable

i love the book. I dont normally like story type of books to learn about money but this one was perfectly written. Very relatable, easy to follow and to understand and also enjoyable. I wish I read this when it first came out and started applying the principles. I am 33 right now and I still have time as per his other books but imagine how much I have in the bank if I started a while back. This book not only talk about money but also about to really reflect on what is important to you and why more money in your income does not really mean finding happiness, contentment, and success. This book is truly an inspiration. It inspired me to live my life the way I wanted and to live my full life now.

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