|
|
Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age (Finish Rich Book Series) (Paperback)
by David Bach
| Category:
Personal finance |
| Market price: ¥ 168.00
MSL price:
¥ 158.00
[ Shop incentives ]
|
| Stock:
Pre-order item, lead time 3-7 weeks upon payment [ COD term does not apply to pre-order items ] |
MSL rating:
 Good for Gifts |
| MSL Pointer Review:
Every word keeps you excited and wanting to learn more about how to get to the financial top, with smart common senses which we are socially trained to ignore. |
| If you want us to help you with the right titles you're looking for, or to make reading recommendations based on your needs, please contact our consultants. |
Detail |
Author |
Description |
Excerpt |
Reviews |
|
|
|
Author: David Bach
Publisher: Broadway
Pub. in: January, 2007
ISBN: 0767919475
Pages: 368
Measurements: 7.7 x 5.2 x 0.9 inches
Origin of product: USA
Order code: BA00878
Other information: Reprint edition
ISBN-13: 978-0767919470
|
|
Rate this product:
|
|
- Awards & Credential -
#1 New York Times, BusinessWeek, USA Today, and Wall Street Journal bestseller. |
|
- MSL Picks -
David Bach wrote a personal finance and investment book that anyone can benefit from, no matter how old or young you are or what your financial situation is. David wrote the book in a very approachable, comprehensive format so the reader should walk away with many ideas about how to improve his or her financial situation.
The book covers are wide variety of topics relevant to everyone's finances:
- The introduction covers some psychological aspects of personal finance, which is the most important part of the book, since our emotions are so intertwined with our spending habits and feelings about money.
- Ways to reduce consumption and increase savings without feeling deprived.
- Strategies to eliminate credit card debt and avoid debt consolidation scams.
- Investing for growth and mitigating market risk at the same time.
- Cogent arguments for owning a home rather than renting and how to pay off the mortgage faster (bi-weekly payments).
- Determining whether you are in the right job or career and how to ask for a raise at your job.
- Alternate ways to make income whether or not you have a regular job, including franchising and direct marketing.
- Charitable giving, a critical part of any financial plan.
- And finally, the best part of the book. David encourages the reader to live in and find joy in every day, otherwise you are missing your life!
Again, the idea is not that you will agree with every word on every page, but you will be benefit from every word of this book.
- From quoting a reader
Target readers:
General readers.
|
|
- Better with -
Better with
The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying
:
|
|
David Bach is the author of the runaway bestseller The Automatic Millionaire, which spent fourteen weeks on the New York Times bestseller list, and was simultaneously number one on the New York Times, USA Today, BusinessWeek, and Wall Street Journal business bestsellers lists. He is also the author of the national bestsellers Smart Women Finish Rich, Smart Couples Finish Rich, and The Finish Rich Workbook. Bach has appeared twice on The Oprah Winfrey Show to share his strategies for living and finishing rich, and he is a regular contributor to CNN's American Morning. His FinishRich® seminars are the leading financial seminars in North America, having been taught by thousands of financial advisors to more than half a million people in more than 2,000 cities. He lives in New York.
|
|
From the publisher
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.
|
SO YOU STARTED LATE– GIVE YOURSELF A BREAK ALREADY!
Of all the things people say to me after they’ve read my books, attended one of my seminars, stopped me in an airport, or called in to my radio show, there is one comment I hear more than all the others put together:
"If only I had started saving when I was younger."
SOMETIMES LIFE THROWS YOU A CURVEBALL
While some of you may blame yourselves for not having started earlier, I also know that many of you are starting late not because you were shortsighted or lazy or irresponsible, but because life threw you a curveball. I hear from people all the time who are starting late because of divorce, death, illness, disability, bankruptcy, poor career choices, lack of education – and on and on. Either way, it's time to cut to the chase. What’s done is done. You can’t go back and fix the past.
THE PAST IS OVER
Oh, you say, if only I knew then what I know now, my whole life would be different.
Of course it would. But guess what–you didn’t know. Or if you did, you didn't do what you knew you needed to be doing.
So it's done. Finished. Settled.
Sometimes life is unfair.
But that's okay.
You can move on.
You can get over it.
Stop asking yourself why you didn't do what you should have done. The real question is: What are you going to do about it now?
NO MORE SAYING,"IF ONLY"!
For a long time now, you’ve been beating yourself up about what you haven't done or should have done. Some of you have been beating yourselves up for your mistakes for decades. It's unreal how tough we can be on ourselves.
We all do this. I'm no exception. I can't tell you how many times I've said to myself, "Oh, if only I hadn't sold that house in Danville, California." That house was the first house I ever owned. I bought it for $220,000 and sold it nearly five years later for $225,000. (Not exactly a Donald Trump real estate flip.) Today, that house is worth more than $700,000.
If only...
Or how about this one? If only I’d bought Dell stock when I bought my first Dell computer. A $10,000 investment in Dell back in 1994 would have been worth $963,000 at the end of 2003.
If only...
I could go on and on. But none of it matters. What matters is that with all the amazing mistakes I've made over the years, I still managed to become a multimillionaire. That's because rather than looking back, I focus on going forward. And here's the bottom line: If you are not yet as rich as you want to be, stop focusing on what you haven't done and start focusing on what you want to do. And if you’re not yet who you want to be, get over that, too. You can become the person you really want to be. You start by letting go of all of the old stories you keep replaying in your head like a broken record or scratched CD.
YOU CAN’T COULDA-WOULDA-SHOULDA YOURSELF TO WEALTH OR HAPPINESS
You know what I'm talking about. So stop "shoulda-ing" all over yourself. It’s messy and makes you unhappy. I know. I've been there.
Instead, decide today – right now – to let it go. We all make mistakes. I've made them. You've made them. Your parents and friends have made them. We are all human. Mistakes hurt. But let's not waste one more ounce of your energy, spirit, or time thinking about them, because all that will do is hold you back.
Keep this in mind:
The past will continue to be your future if you drag it along with you!
THE FASTEST WAY TO LET IT GO
Here's an exercise I recommend you do. (Not this minute. Right now I want you to keep reading. But try it when you finish reading this chapter.) If you really want to get over something you regret, the fastest way to do it is to acknowledge the regret – and then burn it up. Literally.
Here's what you do. Get yourself a blank sheet of paper and write down a list of as many of your personal "if only's" you can think of.
If only I had saved more money.
If only I hadn't quit that job.
If only I hadn't taken the job I have.
If only I'd had kids.
If only I'd not had kids.
If only I had bet on the Yankees.
If only I hadn’t bet on the Red Sox.
I'm serious about this. Really go to town with it. Free-flow. Let it all hang out. Be honest with yourself. You've been beating yourself up over this stuff for years, so you might as well as get it down on paper.
When you're finished making your list... set fire to it! I'm serious. Light a match and BURN IT UP. Let all those damn "if only’s" turn into ashes.
Have a "Goodbye If Only's" party. Invite a friend over and do it together.
Just make sure you burn your "if only's" somewhere safe. We don't want you setting fire to your house. If burning them seems too extreme, then just tear up your "if only's" into little pieces and toss them in the garbage can.
YOUR BRAIN IS HARDWIRED, BUT IT CAN BE REPROGRAMMED
The fact is that your brain is hardwired. You wake up each day, and for the most part you rethink 90% of what you thought about yesterday! Now think about that! It's really quite amazing. You use the same words, you go through the same motions, and you often do the same things over and over and over again. What’s ironic is that we do the same things over and over and over again and then hope for a new result. This is called insanity!
Watch a fly try to fly through a window sometime. The fly is hardwired to think that the harder it tries, the better its result will be. Well, you and I both know that the fly is not going to get through that window because it is impossible to fly through glass!
YOU REALLY NEED TO GIVE YOURSELF A BREAK
I started off trying to convince you to give yourself a break because I know you really need it.
The one thing I’ve learned from coaching so many people on their lives and money is that we are just too brutal on ourselves. And what do we do when we actually make some progress? We beat ourselves up for not doing everything perfectly.
Take it from me. You've been way too hard on yourself over the years. If a friend or relative ever said the things to you that you’ve been saying to yourself, you'd stop talking to them. You'd end the relationship then and there. You'd cut them out of your life.
It's a fact that no one will ever be as tough on you as you are on yourself. So give yourself a break.
Really.
OK, now let's focus on what really matters: how money can help you buy your freedom.
Chapter Two
IT’S ABOUT YOUR MONEY, IT’S ABOUT YOUR FREEDOM
If I could give you only one gift, it would be the gift of freedom. The gift to be the person you were put here to be.
Why? Because you are a very special person. In fact, you're unique. There is no one like you on the planet. You were put here for a reason, and I promise you it wasn’t to struggle through life.
What does any of this have to do with achieving financial security and independence? In a word, everything. If you are worried about money and your future, it's more than likely you're not living as free a life as you want. And if you're not living as free a life as you want, how can you be living the life you were put here to live?
YOU EITHER GET IT OR YOU DON'T
It may not be politically correct to say so, but the brutal reality of life is that in almost every case, if you sit down and get honest with yourself, you will find that 90% of your problems can be fixed with money.
Yes, I know we’re supposed to believe that money doesn't make you happy.There are entire schools of philosophy built on that premise. Well, here's what experience has taught me: Money may not make you happy, but LACK OF MONEY can certainly make you miserable.
When all is said and done, the way you get your freedom is to buy it. You don't lease it. You don’t wish for it. You buy it, and then you own it.
THE HANDWRITING IS ON THE WALL
In 2002 and 2003, the American Association of Retired Persons sponsored an in-depth study of baby boomers (people born between 1946 and 1964). It revealed some amazing things about their attitudes and experience. Perhaps its most significant finding was this:
Personal finance and work are among the least satisfying aspects of baby boomers' lives.
... |
|
| View all 8 comments |
Ross (MSL quote), USA
<>
This book was a dream come true. I had just gottne divorced and had nothing much left. I thought I was looking a pretty bad future ahead for the retirement years. This book gave me hope to create a better future. I have started putting the money aside and it really works. Great book and now I have a great future ahead of me. |
A reader (MSL quote), USA
<2007-06-26 00:00>
This book is not for everyone. In fact it is for a small group of people. I believe that if you find yourself in your late 30's or older and have not set aside money for retirement this book will help kick you in the rear to get going. But it is not just motivation; it gives you several ways to really get going.
As with anything you can say this book is better then that one. But I always think that those people are just pushing their own books or their companies books.
As I said if you a business major this book is not for you. If you are someone who has always lived within their means and put money away this book is not for you. If you are young and believe in saving this book is not for you. But for those of us who have been focused on other things such as a career and found ourselves without proper savings it gives a good starting point. |
Terry (MSL quote), USA
<2007-06-26 00:00>
I've read a ton of financial self-help books over the years, and this one goes far beyond the majority of them in delivering solid content and sound advice without wasting the reader's time. David Bach does an excellent job in showing how cutting tiny expenses can really add up and increase your savings rate. America has one of the worst savings rates in the world, and there are plenty who should be reading the author's advice. He also covers consolidating debt, real estate, investing, and different ways to make additional income without quitting your day job. If you have read any of the books in of Robert Kiyosaki's "Rich Dad, Poor Dad" series, then you probably noticed they are sometimes inspirational but thoroughly content-free. You won't find that with "Start Late, Finish Rich". David Bach provides really useful information, and you may even find that you read the book twice to take it all in. It's money well spent. |
A reader (MSL quote), USA
<2007-06-26 00:00>
David Bach gives some good commom-sense advice on growing your net worth. The information on investing is helpful too. A good book to add to your financial self-help collection! |
View all 8 comments |
|
|
|
|
