The Latte Factor: Why You Don’t Have to Be Rich to Live Rich

You are richer than you think!

Learn my three secrets to financial freedom.

The Latte Factor, a fast, easy read reveals how anyone—from millennials to baby boomers—can still make their dreams come true.

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This Book Will Completely Transform Your Relationship With Money and Happiness.


What if you didn’t need to be rich to live rich? What if there were a way you could achieve financial freedom and live your dreams now.

In less than five hours – The Latte Factor Class can help you take control over your money and your life. Whether you’re just starting out in business, an employee, or you’re in debt and you just want to live the life you’ve always dreamed of “The Latte Factor” is a one day program that has inspired millions.

It’s never too late to start living your dreams. Whether you are living paycheck to paycheck, or simply want to do better financially this class is for you if you’re ready for a fresh outlook on life and money.

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The Latte Factor: Why You Don’t Have to Be Rich to Live Rich

“When I first started my career, I was deep in debt and full of shame, fear, and embarrassment about money. David’s books helped me turn that around and create real financial freedom. On MarieTV we featured David and his Latte Factor challenge—and the results for our community were immediate. The Latte Factor works!”

Marie Forleo

Author of Everything is Figureoutable, Host of the award-winning show MarieTV


What if there were a way you could achieve financial freedom and you live your dreams, without taking big risks or making drastic changes? A way that actually worked.

Welcome to The Latte Factor—an inspiring parable that presents three timeliness secrets to financial freedom that will help you discover you are richer than you think.

From legendary personal finance expert David Bach (The Automatic Millionaire) and master storyteller John David Mann (The Go-Giver), The Latte Factor tells the story of Zoey Daniels, a twenty-something professional, living and working in New York City. Zoey likes her job and she’s good at it—but no matter how hard she works, she still struggles to make ends meet under a growing burden of student loans and credit card debt. And she can’t help wondering: Is this all there is to life.

Zoey cannot see any way off her endless treadmill—until one morning, when she strikes up a conversation with Henry, the elderly barista at her favorite Brooklyn coffee shop. Over the next few days, as Henry reveals what he calls the “Three Secrets to Financial Freedom,” Zoey discovers that there is more to his life story than meets the eye—and that by following the simple, proven path he describes, she truly can create the life she’s always wanted.

From Baby Boomers who worry if they’ve saved enough for retirement, to Millennials who are drowning in student loan debt, to young Gen Zers who want to make smarter choices than the generations that have come before, The Latte Factor can help anyone, of any age, achieve financial independence. At once page turning and heartwarming, The Latte Factor is an inspiring story you can read in less than an hour, but its impact can last for a lifetime.


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Latest Episodes

Episode 1 Welcome! Chapters 1—3 of THE LATTE FACTOR
Episode 2 Why I Wrote THE LATTE FACTOR & How It Can Help You
Episode 3 You Are Richer Than You Think!
Episode 4 15 Timeless Truths About Money
Episode 5 David Bach answers your most burning questions
Episode 6 David Bach’s 2019 Economic Outlook
Episode 7 How to Retire Early – the FIRE Movement
Episode 8 8 Questions to Ask Yourself if You Want to Live Rich
Episode 9 How to Overcome A Scarcity Mindset With Money
Episode 10 Everything Is Figureoutable – Interview with Marie Forleo
Episode 11 Coronavirus Pandemic: This Too Shall Pass
Episode 12 Live Rich Now – Yes You Can!
Episode 13 More Good News – Yes You Can Find It If You Look!
Episode 14 If It’s Not Broken Don’t Break It
Episode 15 How To Recover When Things Go Wrong
Episode 16 How One Question Could Change Your Life!
Episode 17 How To Make Money In Real Estate & Why Now Is Your Time!
Episode 18 Change Your Location, Change Your Life
Episode 19 How To Become An Automatic Millionaire
Episode 20 Important COVID-19 in Italy Updates
Episode 21 Finish 2020 Strong in Life, Money & Business
Episode 22 Loving Life in Italy with Frances Mayes and Ondine Cohane
Episode 23 Who Not How with Dan Sullivan
Episode 24 You Really Can Do Hard Things
Episode 25 Why You Need a Dream Account & How to Create One Today
Episode 26 How & Why You Must Protect Yourself and Your Family
Episode 27 Humor, Seriously: Why Humor is a Secret Weapon in Business & Life
Episode 28 Becoming Unstoppable with Jamie Kern Lima
Episode 29 What’s In It For Them? with Joe Polish
Episode 30 The Greatness Mindset with Lewis Howes
Episode 31 The Ultimate Guide to Moving to Italy with the Italian Legal Whisperer, Michele Capecchi


Ha. You know me already! Click here if you want the boring bio.

My favorite food is Nachos. My friends call me Nacho Bach. (Okay, you didn’t know that)

I’m the guy who has spent more than two decades teaching people worldwide to “Pay Themselves First”–and to save and invest automatically.

I think budgets suck.

Many people – maybe you know me for the Latte Factor® – the simple idea that small amounts of money not wasted can be saved and help you reach financial freedom.

That simple idea has gone viral all over the world and inspired millions.

It’s also brought out the haters – who think I’m trying to take their coffee away.

I’m not. Promise. LOL.

I love my coffee.

The Latte Factor is not about the coffee, my friends. The Latte Factor is about how to live your richest life now.

This little story will inspire you to realize you’re richer than you think. You’re stronger than you know. Your dreams are closer than you realize.

Let’s DO THIS.


Trust me it’s not just my mom who thinks this book rocks. My wife likes it too.


“Sometimes a story is worth a thousand pieces of unheeded advice. Let this lovely tale, laced with practical wisdom, inspire you to make a few elegantly simple changes––without budgeting––to build the wealth you need for a life you love.”

VICKI ROBIN, author of Your Money Or Your Life

“David Bach has a masterful ability to translate the complicated world of investing into terms we can all understand. The Latte Factor may be his simplest and most powerful message yet.”

SIMON SINEK, Optimist, New York Times bestselling author of Start With Why and Leaders Eat Last

“David Bach is the one financial expert to listen to when you’re intimidated by your finances. His powerful and easy-to-use program will show you how to spend, save and invest your money to afford your dreams.”

TONY ROBBINS, #1 New York Times bestselling author of Money: Master the Game

“When you control your money, you master your life––and in less than an hour this little book can become the roadmap to the life you deserve.”

TONY HSIEH, CEO of, New York Times bestselling author of Delivering Happiness

The Latte Factor is a masterpiece. David Bach’s strategies helped me become a millionaire at 30. Read this book, put it into practice, and then share it with everyone you know. It will change your life.”

GRANT SABATIER, author of Financial Freedom, creator of Millennial Money

“For more than two decades, David Bach has been changing lives through his simple yet impactful teachings about money, investing, saving, and building wealth. I know this because I featured the Latte Factor principles on The Oprah Show and watched David transform tens of millions of people’s lives. And we didn’t just talk about the Latte Factor—we put it to work in our own lives!”

CANDI CARTER, executive producer of The View, former producer of The Oprah Show

The Latte Factor is a soulful journey that will inspire you to live your dreams now. Bach and Mann’s storytelling genius make this a life-changing book of our time. The Factor—we put it to work in our own lives!”

FARNOOSH TORABI, host of So Money, author of When She Makes More

“David Bach moves audiences worldwide with his message of hope and inspiration. The Latte Factor will stir your heart and uplift your soul. It is so very worth your attention, contemplation, and implementation.”

ROBIN SHARMA, worldwide bestselling author of The Monk Who Sold His Ferrari and The 5 AM Club

“David Bach is the world’s best personal finance expert and The Latte Factor shows why. He knows how to teach you to achieve financial freedom better than anyone. Best of all, the beautiful story in this book is so real, so relatable, that you’ll actually want to take these simple steps to create wealth and truly live rich. I loved every page.”

BRENDON BURCHARD, #1 New York Times bestselling author of High Performance Habits

“I have known David for over a decade. His timeless principles will inspire you to live a life that goes beyond wealth, and one that embraces meaning and giving.”

SCOTT HARRISON, founder of charity: water, New York Times bestselling author of Thirst

“There’s a reason David Bach’s books have sold over 7 million copies: they work. This great story can inspire you to take action to live your best life. You truly don’t need to be rich to start investing and go for your dreams.”

JEAN CHATZKY, financial editor of NBC’s Today, host of the Her Money Podcast

“A game-changer! This incredibly powerful story will change your life. Anyone from any generation or background can use this book to fuel their dreams and empower their future.”

SARAH JAKES ROBERTS, author, businesswoman, and media personality

“David Bach’s advice is masterful. He takes the complicated and makes it simple—it’s literally a three-step process to financial freedom. You can do this!”

JON GORDON, bestselling author of The Energy Bus and The Power of Positive Leadership

The Latte Factor will completely transform your relationship with money and happiness. I read 70 to 100 books a year, and this one rocked me. It will totally flip your mindset upside-down and gives you a 10X better operating system for life.”

BENJAMIN P. HARDY, contributor to

“Every single woman in America needs to read this book. David Bach is the ultimate crusader for women’s financial empowerment—and The Latte Factor is now your guide to the financial security and freedom you deserve.”

DOTTIE HERMAN, president & CEO of Douglas Elliman

“An instant classic, The Latte Factor is the perfect gift for people of any age who don’t like to think about finances—and are poorer and unhappier because of it. Invest one hour to read this book and reap positive returns for a lifetime!”

KEN BLANCHARD, #1 bestselling coauthor of The New One Minute Manager® and The Secret

“Bach and Mann’s The Latte Factor will help you learn how to best identify what you value most, so you can spend, save, and invest to live a life aligned with your goals.”

ERIN LOWRY, author of Broke Millennial Takes on Investing

“Every college student across America and around the world needs to read this book. David’s advice is so powerful because it is so easy to implement, and the tale he shares is both heartfelt and inspirational.”

DR. JENNIFER AAKER, General Atlantic Professor at Stanford Graduate School of Business

“David Bach has never failed to amaze me with his genius for making the complex world of finances approachable to everyone and his genuine caring about making an impact in people’s lives. The Latte Factor is a book for all time!”

LOUIS BARAJAS, author of The Latino Journey to Financial Greatness

“Iconic financial expert David Bach has inspired tens of millions of lives with his Latte Factor method. You owe it to yourself to read The Latte Factor and share it with those who matter most to you. In less than an hour you’ll learn truly how to become a financial grownup.”

BOBBI REBELL, CFP®, author of How to be a Financial Grownup, host of Financial Grownup Podcast, former Reuters Business TV anchor

“A captivating story packed with aha! moments. The Latte Factor will surprise and delight you—and it will transform the way you think about personal finances.”

MICHAEL HYATT, New York Times bestselling author of Platform and Your Best Year Ever

“Bach and Mann offer a master class in the fundamentals of personal finance and financial independence, wrapped in an engaging story of self-discovery. The Latte Factor is a gem!”

BOB ROTH, author of the New York Times bestseller Strength in Stillness

“Bach and Mann have done a startlingly good job of illustrating life’s deepest secret and most profound truth: that a genuinely rich life—a life of ‘flat-out, unbridled joy,’ as the authors put it—is available to anyone in any circumstances. Highly recommended!”

SALLY HELGESEN, coauthor of How Women Rise, author of The Female Advantage

“I LOVE this book! In one fun-filled hour, you will learn how a few small, simple changes can compound into a massive transformation in your financial future. The Latte Factor is destined to be a global sensation!”

DARREN HARDY, New York Times bestselling author of The Compound Effect, former publisher/editor SUCCESS

“A great read for millennials, and a helpful reminder that little life changes can have a big impact on your financial future.”

JESSICA MOORHOUSE, founder of Millennial Money Meetup, host of Mo’ Money Podcast

“A game-changing little book, delivered with the wisdom, heart, and brilliant simplicity that have endeared David Bach to millions. Read, act now (it’s easier than you think), and genuine financial freedom is yours for the taking!”

DAN SULLIVAN, The Strategic Coach, Inc.

“A wonderful, fun, engaging, inspiring book! You’ll love the story so much you’ll forget that you’re actually learning life-changing lessons from a master in the field.”

BOB BURG, bestselling coauthor of The Go-Giver and The Go-Giver Influencer

“In less than an hour The Latte Factor can help you take control of your money and your life. Whether you’re just starting out in business or an employee in mid-career, or you’re in debt, or you just want to live the life you always dreamed of, The Latte Factor can help you gain financial success, freedom, and security.”

JOE POLISH, founder of Genius Network® and GeniusX®, president of Piranha Marketing Inc.

“Since discovering David’s Latte Factor concept in my early thirties and implementing his pay-yourself-first strategies, my wife and I have had huge leaps forward financially. We’re now millionaires, my wife was able to be a stay-at-home parent, and I was able to leave my unsatisfying corporate job to pursue passion businesses!”

PHILIP “PT” TAYLOR, founder of FinCon and PT Money

“David Bach’s approach to personal finance will inspire a generation. Living rich can feel out of reach for many in the creator community, but David’s simple, no-BS approach balances our ability to thrive now while simultaneously preparing for a wealthy future.”

CHASE JARVIS, founder and CEO of CreativeLive

“David Bach’s advice is so powerful because it so easy to implement. The Latte Factor transforms complicated concepts into simple actions, laying out a three-step process that anyone at any level of income can put into practice to achieve financial freedom and a life filled with abundance and joy.”

JENNIFER BARRETT, Chief Education Officer at Acorns

The Latte Factor is a little story that packs a huge idea: that financial success, freedom, and security start with being clear on what matters most in your life.”

STEDMAN GRAHAM, New York Times bestselling author, speaker, and entrepreneur

“Forget the lottery, Prince Charming, or the pot of gold at the end of the rainbow—The Latte Factor will show you a path to a winning, rich life. A must-read for every woman from every background.”

NELY GALÁN, Emmy-winning producer, New York Times bestselling author of Self Made, first Latina president of entertainment for a U.S. television network (Telemundo)

The Latte Factor inspired me to start saving $5 a day, and before I knew it, I grew my savings by over $100,000 in just two years! By starting small, I started—and now I’m on the fast track to financial freedom. Money doesn’t have to be complicated, and you can do what I did. The key is to use the principles in this book and get going!”


“A must-read if you want to reach your personal financial goals!”

JASON DORSEY, Gen Z/Millennial expert, bestselling author of Y-Size Your Business

“A Latte Spurned is a Fortune Earned!”


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For review copies, interview requests and other publicity queries related to The Latte Factor, please contact:

Rebecca Bakofsky