A program to help you get from where you are to a decent retirement

books:


	• Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age (Finish Rich Book Series) David Bach Broadway, 2006 - 368 pages average customer review:based on 90 reviews view larger image
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highly recommended

A program to help you get from where you are to a decent retirement

David Bach is one of the more successful personal finance gurus who pumps out shelves of books, sells seats at seminars, and so on. He is a brand as much as he is an author. This book focuses on the financial requirements of those who realize they need to get ready for retirement, but they let the clock get too far ahead of them. They are like a batter who falls behind the pitcher, 0-2 and still want to get on base. This book provides a practical and good natured guide and how you can get to retirement somehow, someway, if you are willing to do what is necessary.

Bach presents his material in 23 chapters divided into five parts. He is very clear that Living Rich is more about quality of life than just having more money that you have to be miserable to acquire and never get to use in ways that have any personal meaning for you.

Part One focuses on why you need to start now and why freedom is more important than mere money. Part Two talks about how you can spend less. You know you have to, so why not give you your daily $5 latte and brew your own cup of Joe? He also provides a good system for paying off your credit cards and how to negotiate with your bank and credit card company to lower interest rates and penalties. He also provides sound warnings about those credit counseling companies. Basically, stay away from them. He does provide info on good financial counseling resources and how you can check on them.

Now that you have stopped the bleeding you can go on to Part Three and learn ways to Save More. Bach provides good methods to help you pay yourself first by automatically saving and explains why boring investments are much better than exciting ones when it comes to your financial future. Still, you ability to save is limited by your income, so Part Four helps you focus on a number of ways to make more at your job, at part time opportunities or side businesses that allow you to keep your job, but provide valuable supplementary income.

Part Five is about your quality of life and why your money is really about serving this purpose. Bach also explains why giving and blessing the lives of others is a great way to enhance the quality of your own life.

Reviewed by Craig Matteson, Ann Arbor, MI

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Money Management - for all ages

Had heard about the book, but it took me over 6 months before I purchased. Wished I bought it sooner, I would have been nearer to financial freedom, however, the author shows you how you can achieve it at any age. Would be great for those now out of college and at their first jobs.

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A good financial book for young and old.

This book has help me in many a different way. I am glad to have found this book in my late twenties. All I want to say is thank you for a wonderful book.

Starting late, here are some ides

I read a lot of financial planning books and this is one of the better ones. I look for books that give a lot of detail and ideas. This book does give you some information you can find elsewhere, but he gives you ideas on how or where to execute these strategies.

In regards to saving money, we rarely look at everyday ordinary habitual expense to cut back. We are always trying to trim our grocery bills, household bills, etc. He suggests looking deeper into daily expenses like eating lunch out daily, that extra Latte or that lottery ticket. Most other reviewers have it wrong when they say he is trying to curb your fun, but he wants you to be wealthy. Just eliminate some of these expenses and put it toward your savings and you can be wealthy. One reviewer is correct when he states that some people don't have a Latte factor (I don't), then what? Well part Two covers this.

He is very big on saving in your 401(k) if you have one, but putting $[...] per day is a little much for some people on a limited budget. While I agree with his mythology on this, for some people $[...] per day can be 30 to 40 percent of they pay. I recommend starting with less.

He dose give advice on reducing debt, but never gives a sound plan for paying this off. I know no one can explain it all, but he could have spent some time on this issue as it huge for people in their 40 and above (his target audience).

Part two describes how to get extra money with out getting a second job. Mostly by home based businesses and real estate. He explains in detail the various places he recommends, such as E-bay selling, Multi Level Marketing, and franchising. He explains each in detail and what to look for so you don't get ripped off. Most books don't nearly take the time to do this.

He gives a lot of step by step instructions and advice on what to look for in E-bay selling, Multi Level Marketing, and franchising which is a great help. As most people know, there are a lot of scam artist in Multi Level Marketing so he combats them. Remember that E-bay selling, Multi Level Marketing, and franchising is not right for everyone so be careful on this. The purpose is to generate extra money, not to get rich quick. This is a great point.

After spending some time in real estate, some of his numbers are off. He assumes that every location can raise $100,000 to $500,000 over the original price of the house you purchased in two years. This rarely happens unless you purchased below market value and this does not happen often either. This does not say you can not make money in real estate, but it is not as easy as Mr. Bach suggests.

Part Three is about giving back. He suggests what all other personal finance books ignore, is you have to give some thing back in order to gain some thing. He says you do not necessarily have to give money to start, just your time and effort can do. I agree with his principle of giving back to the community as many people can not afford to give money to churches, organizations or individuals. This is why Habitat for Humanity works so well.

Just remember, every author is out to make money on his books. Judging him for that is a mistake. Judging him on the merits of his conclusions is what it is about. Though I do not agree with some of Mr. Bach's numbers, his theory is sound and worth reading to get the knowledge he professes. I also like he treats this book as a coaching tool. I felt motivated through out the whole book. Mr. Bach made me feel that there were others in my shoes now and that I can do it as others have. I also like the step by step instructions, the advice and detail he does through in explain certain aspects. Some things of course I wish he would have explained more. No book can give you every piece of information, this one comes close.

If I could give him 4 ½ stars I would.

Enjoy

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David Bach....

Hello everyone, first off i have read David's "Automatic Millionaire" and if you want a good book to get you hyped about investing I would read that one first. I just started reading this one and it has some of the same principles except it's guided to accelerating the investing process incase you started investing later on in your life. My personal recommendation is if your kind of interested in investing or you're looking to know the big picture of the different types of investing then David Bach's books are a solid choice for easy reading and comprehension.

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reviews: page 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

David Bach has a plan to help you live and finish rich?no matter where you start

So you feel like you?ve started late?

You are not alone.

What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck?

What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings?

See? You?re really not alone.

Unfortunately, the vast majority of people who?ve saved too little and borrowed too much will never catch up financially. Why? Because they don?t know how.

You can start late and finish rich?but you need a plan.

This book contains the plan. It?s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn?t something you can do overnight. It will take time and it will take work. But you can do it.

I know. I?ve helped millions of people get their financial lives together?and I can help you. Spend a few hours with me?and let me challenge you. Give me a chance to become your coach.

Just because you started late doesn?t mean you are doomed to an uncertain future. Whether you?re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It?s never too late to live and finish rich. All it takes is the decision to start.

?David Bach

Is it too late for me to get rich?

Over and over, people share their fears with David Bach, America?s leading money coach and the number-one national best-selling author of The Automatic Millionaire. ?If only I had started saving when I was younger!? they say. ?Is there any hope for me??

There IS hope, and help is here at last!

In Start Late, Finish Rich, David Bach takes the ?Finish Rich? wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life?s unexpected challenges.

Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich ? and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more ? and most important, LIVE MORE. And he gives you the time tested plan to do it.

The Start Late, Finish Rich promise is bold and clear:

Even if you are buried in debt ? there is still hope.

You can get rich in real estate ? by starting small.

Find your ?Latte Factor? ? and turbo charge it to save money you didn?t know you had.

You can start a business on the side ? while you keep your old job and continue earning a paycheck.

You can spend less, save more and make more ? and it doesn?t have to hurt.

David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it?s your turn. With David Bach at your side, it?s never too late to change your financial destiny. It?s never too late to live your dreams. It?s never too late to be free.