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Start Late, Finish Rich [Secure eReader (recommended)/Mobipocket/Microsoft Reader]
eBook by David Bach
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eBook Category: Personal Finance/General Nonfiction
eBook Description: 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. 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.
eBook Publisher: Random House, Inc./Broadway
Fictionwise Release Date: January 2005
Available eBook Formats [Secure eReader (recommended)/Mobipocket/Microsoft Reader - What's this?]: SECURE MOBIPOCKET FORMAT [1.4 MB], SECURE MICROSOFT READER FORMAT [2.3 MB] - Requires Microsoft Reader 2.1.1 for PCs, or Microsoft Reader 2.2.2 on Pocket PC 2002 handheld devices. Some older Pocket PCs can be upgraded. Learn More., SECURE EREADER (RECOMMENDED) FORMAT [891 KB], OEBFF Format (IMP) [2.3 MB]
All formats: Printing DISABLED, Read-aloud DISABLED
Microsoft Reader ISBN, Adobe Acrobat Reader ISBN, MobiPocket Reader ISBN, eReader (recommended) ISBN: 9780767920308

"Here is one good source to help you realize that there are options and it is possible to create life the way you want it, financially speaking. . . . [Bach’s] work looks at many fine details and provides research backed up with actionable ideas. " -- Times-Colonist
"David Bach tackles head-on the common complaint for far too many complacent Canadians that they can’t help themselves financially or it is too late to do so. Bach’s practical messages with proven financial principles to help oneself are doable. . . . It’s never too late. Bach can help those who are motivated to help themselves." -- Canadian MoneySaver

CHAPTER ONE 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. Copyright © 2005 by David Bach
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