START LATE, FINISH RICH applies David Bach's financial wisdom to all those who forgot to save (or just plain procrastinated) and are worried that it is too late to achieve financial freedom. For those who worry that they'll never be able to retire on their current savings, hope and help have arrived. David's message is that it is never too late to finish rich. This audiobook will provide a plan that anyone can follow to use the power of concepts like "Pay Yourself First," "the Latte Factor," and "Make it Automatic" to build wealth fast, as well as all-new strategies tailored to the needs of late bloomers. Whether in your 30s, 40s, 50s, or even older, Bach's simple, clear, concise and empowering guide provides an easy game plan for building a healthy savings.
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...
Reviews
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[Editor's Note: The following is a combined review with the abridged version of START LATE, FINISH RICH.]--Reading his abridged audio, the TV commentator and author has a magical way of describing good money habits. He's genuinely positive without being glib and offers engaging answers to questions we all have. Bach's plan sounds enormously practical: Buy only what you need, save wisely, work at your debt load until it's gone, and focus on serving your long-range interests. In the unabridged audio, Michael Kramer leaves nothing on the table when it comes to captivating listeners with these ideas. Kramer sounds relaxed and informed as he explains every insight and vocally explores every nuance offered in Bach's excellent writing. Hearing a professional reading of the complete book accentuates its coherence and pacing and allows a longer, more satisfying exposure to Bach's humanitarian intentions. A lesson with immense value for any listener open to creating a brighter future. T.W. (c) AudioFile 2005, Portland, Maine
