Start Late, Finish Rich : A No-Fail Plan for Achieving Financial Freedom at Any Age
David Bach has a plan to help you live and finish rich-no matter where you startSo 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.
The seventh book in seven years of the Finish Rich series (two million in print) is aimed at older readers who have neglected their savings. It reads like an infomercial script, brassily positive and unrelentingly motivational. Anyone can finish rich, says Bach (Automatic Millionaire,etc.), if they are willing to "spend less, save more, and make more." The bulk of the book describes a variety of tactics and strategies (many covered in his previous books) for accomplishing these three tasks. Readers of financial help books will have heard many of Bach's ideas before, but he does deliver a lion's share of solid advice in an entertaining format, and, for good measure, he throws in an occasional counterintuitive gem, such as why paying off credit card debt can be "a huge mistake." He also anticipates and overcomes common objections ("dealing with debt doesn't mean putting the rest of your life on hold"), although anyone impolite enough to push back too hard is dismissed: "I have a term for negative people who seem to enjoy raining on other people's parades. I call them dream stealers,' and I try to avoid them." Agent, Jan Miller. (Jan. 4) Copyright 2004 Reed Business Information. -- PUBLISHERS WEEKLY.
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December 31, 2004
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Excerpt from Start Late, Finish Rich by David Bach
SO YOU STARTED LATEý GIVE YOURSELF A BREAK ALREADY!
Of all the things people say to me after theyýve 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:
ýIf only I had started saving when I was younger.ý
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 educationýand on and on. Either way, itýs time to cut to the chase. Whatýs done is done. You canýt 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 whatýyou didnýt know. Or if you did, you didnýt do what you knew you needed to be doing.
So itýs done. Finished. Settled.
Sometimes life is unfair.
But thatýs okay.
You can move on.
You can get over it.
Stop asking yourself why you didnýt do what you should have done. The real question is: What are you going to do about it now?
NO MORE SAYING,ýIF ONLYý!
For a long time now, youýve been beating yourself up about what you havenýt done or should have done. Some of you have been beating yourselves up for your mistakes for decades. Itýs unreal how tough we can be on ourselves.
We all do this. Iým no exception. I canýt tell you how many times Iýve said to myself, ýOh, if only I hadnýt sold that house in Danville, California.ýThat 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.