Start Late, Finish Rich

David Bach, the money coach behind The Automatic Millionaire, writes for people who fear they left saving too late to reach financial freedom. His answer is that it is never too late, but that catching up takes time, work and a plan based on proven principles. He adapts his Finish Rich approach to late starters in their thirties, forties, fifties and later, with new strategies built on his ideas of paying oneself first, the Latte Factor and making saving automatic. Step-by-step guidance covers getting out of debt, saving more and earning more. Published in 2005, it became one of two consecutive number one New York Times best sellers for Bach, alongside The Automatic Millionaire.