--- product_id: 102731387 title: "The Latte Factor: Why You Don't Have to Be Rich to Live Rich" price: "127.18 DT" currency: TND in_stock: true reviews_count: 8 url: https://www.desertcart.tn/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich store_origin: TN region: Tunisia --- # The Latte Factor: Why You Don't Have to Be Rich to Live Rich **Price:** 127.18 DT **Availability:** ✅ In Stock ## Quick Answers - **What is this?** The Latte Factor: Why You Don't Have to Be Rich to Live Rich - **How much does it cost?** 127.18 DT with free shipping - **Is it available?** Yes, in stock and ready to ship - **Where can I buy it?** [www.desertcart.tn](https://www.desertcart.tn/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich) ## Best For - Customers looking for quality international products ## Why This Product - Free international shipping included - Worldwide delivery with tracking - 15-day hassle-free returns ## Description The Latte Factor: Why You Don't Have to Be Rich to Live Rich [Bach, David, Mann, John David] on desertcart.com. *FREE* shipping on qualifying offers. The Latte Factor: Why You Don't Have to Be Rich to Live Rich Review: Tiny Book with LOTS of important information - Thank you to NetGalley and the publisher for providing me with an advanced copy of this book in exchange for an honest review. This is the first personal finance book I've read in this particular format. David Bach tells a parable of 27-year old Zoey who feels lost and seeks guidance for her future. Zoey travels from Brooklyn to the Freedom Tower in Manhattan everyday for work. Her job demands around 50 hours a week but it doesn't ever seem to pay enough to keep up her lifestyle. She doesn't live extravagantly; she has a roommate, she doesn't have a car, she doesn't travel, etc. However, she still has a mountain of debt in credit cards and student loans. Whenever she finds something she'd love to do like traveling or purchasing a beautiful piece of art, she spits out the common refrain, "I can't afford it". She ends up meeting a man of seemingly humble means who teaches her the three simple lessons to financial freedom. I believe I had first heard about David Bach on one of my favorite podcasts, "HerMoney" with Jean Chatzky on Episode 63 about his 18-month sabbatical. I didn't quite relate to that story of his, but this parable of Zoey did speak to me. While I am not 27, I am close to that age and she has many of the same spending habits that catch me up when trying to save. Bach lays out three very simple keys to success. They seem commonsense but many many people don't realize they aren't doing these things and they should! I'm a huge fan of personal finance books and I would highly recommend this fast but motivating book. Fans of Jean Chatzky or Gaby Dunn would love this book. Honestly, immediately after reading the galley, I pre-ordered the book and signed up for follow-up materials on Bach's website. I also checked out two of his previous books, "The Automatic Millionaire" and "Smart Couples Finish Rich", from the library to read next. No more lattes for me! ;) Review: Inspiring awareness, as well as the perspective and attitude change - I read this book, and then a few days later, I reread it. Here is why it inspired my perspective and attitude change toward taking responsibility for my financial independence. It made me aware that only I could guarantee this independence, and it made me aware of the simple and sure ways of how I can do it. It is that simple, that multidimensional, and that powerful. I am a writer myself, also of motivational books. Reading this book reinforced my wish to write some of my books in the form of a parable where the doubts and feelings of the learning character are shown and to which the readers can relate. I felt for Zoey, I rooted for her, I understood what she felt, and as she was, I was inspired by what Henry had to share with her. Just like Zoey, I could see the general misunderstanding of what paying ourselves first truly meant. While reading the book, I applied the ideas described in it to my finances, especially to how I was approaching them. That brought relief because I stopped putting the responsibility on others, or blaming others, or hope for my finances to take care of themselves somehow, and instead, I took care of them myself, in simple and proven ways. I can't recommend enough reading this book. And not only reading but doing so many times. Read it, and you will feel empowered and in control. I will surely read it the third time soon, and sometime later again. Update several rereads and almost two years later: Upon the latest reread in 2021, I became aware of one more area where the Latte Factor can be utterly helpful. It is about engaging in upsets. We can't avoid becoming upset, but we can choose either to stay upset or move on. I heard about this idea from other authors, but reading The Latte Factor helped me recovering from an upset a little bit faster than maybe I otherwise would. Here's how: as soon as I observed myself getting upset about something and didn't judge it, I asked myself if I could save myself trouble and drama by labeling the upset as my latte factor and moving on to what motivated and empowered me. So The Latte Factor approach can help you concentrate on what is important in your life, not only from the financial investment perspective but also how you "invest" your emotions. I found this experience enlightening. I am curious now, what else I will discover when I reread the book next time. ## Technical Specifications | Specification | Value | |---------------|-------| | Best Sellers Rank | #37,728 in Books ( See Top 100 in Books ) #53 in Budgeting & Money Management (Books) | | Customer Reviews | 4.7 4.7 out of 5 stars (2,340) | | Dimensions | 5.5 x 0.8 x 8.38 inches | | Edition | Illustrated | | ISBN-10 | 1982120231 | | ISBN-13 | 978-1982120238 | | Item Weight | 2.31 pounds | | Language | English | | Print length | 160 pages | | Publication date | May 7, 2019 | | Publisher | Atria Books | ## Images ![The Latte Factor: Why You Don't Have to Be Rich to Live Rich - Image 1](https://m.media-amazon.com/images/I/71pAgLKiEyL.jpg) ![The Latte Factor: Why You Don't Have to Be Rich to Live Rich - Image 2](https://m.media-amazon.com/images/I/71qjgEeVgLL.jpg) ## Customer Reviews ### ⭐⭐⭐⭐⭐ Tiny Book with LOTS of important information *by S***S on May 7, 2019* Thank you to NetGalley and the publisher for providing me with an advanced copy of this book in exchange for an honest review. This is the first personal finance book I've read in this particular format. David Bach tells a parable of 27-year old Zoey who feels lost and seeks guidance for her future. Zoey travels from Brooklyn to the Freedom Tower in Manhattan everyday for work. Her job demands around 50 hours a week but it doesn't ever seem to pay enough to keep up her lifestyle. She doesn't live extravagantly; she has a roommate, she doesn't have a car, she doesn't travel, etc. However, she still has a mountain of debt in credit cards and student loans. Whenever she finds something she'd love to do like traveling or purchasing a beautiful piece of art, she spits out the common refrain, "I can't afford it". She ends up meeting a man of seemingly humble means who teaches her the three simple lessons to financial freedom. I believe I had first heard about David Bach on one of my favorite podcasts, "HerMoney" with Jean Chatzky on Episode 63 about his 18-month sabbatical. I didn't quite relate to that story of his, but this parable of Zoey did speak to me. While I am not 27, I am close to that age and she has many of the same spending habits that catch me up when trying to save. Bach lays out three very simple keys to success. They seem commonsense but many many people don't realize they aren't doing these things and they should! I'm a huge fan of personal finance books and I would highly recommend this fast but motivating book. Fans of Jean Chatzky or Gaby Dunn would love this book. Honestly, immediately after reading the galley, I pre-ordered the book and signed up for follow-up materials on Bach's website. I also checked out two of his previous books, "The Automatic Millionaire" and "Smart Couples Finish Rich", from the library to read next. No more lattes for me! ;) ### ⭐⭐⭐⭐⭐ Inspiring awareness, as well as the perspective and attitude change *by V***S on July 2, 2019* I read this book, and then a few days later, I reread it. Here is why it inspired my perspective and attitude change toward taking responsibility for my financial independence. It made me aware that only I could guarantee this independence, and it made me aware of the simple and sure ways of how I can do it. It is that simple, that multidimensional, and that powerful. I am a writer myself, also of motivational books. Reading this book reinforced my wish to write some of my books in the form of a parable where the doubts and feelings of the learning character are shown and to which the readers can relate. I felt for Zoey, I rooted for her, I understood what she felt, and as she was, I was inspired by what Henry had to share with her. Just like Zoey, I could see the general misunderstanding of what paying ourselves first truly meant. While reading the book, I applied the ideas described in it to my finances, especially to how I was approaching them. That brought relief because I stopped putting the responsibility on others, or blaming others, or hope for my finances to take care of themselves somehow, and instead, I took care of them myself, in simple and proven ways. I can't recommend enough reading this book. And not only reading but doing so many times. Read it, and you will feel empowered and in control. I will surely read it the third time soon, and sometime later again. Update several rereads and almost two years later: Upon the latest reread in 2021, I became aware of one more area where the Latte Factor can be utterly helpful. It is about engaging in upsets. We can't avoid becoming upset, but we can choose either to stay upset or move on. I heard about this idea from other authors, but reading The Latte Factor helped me recovering from an upset a little bit faster than maybe I otherwise would. Here's how: as soon as I observed myself getting upset about something and didn't judge it, I asked myself if I could save myself trouble and drama by labeling the upset as my latte factor and moving on to what motivated and empowered me. So The Latte Factor approach can help you concentrate on what is important in your life, not only from the financial investment perspective but also how you "invest" your emotions. I found this experience enlightening. I am curious now, what else I will discover when I reread the book next time. ### ⭐⭐⭐⭐⭐ Relatable and Engaging *by K***R on May 8, 2019* I have read dozens of self help books over the years, many of them devoted to building wealth and prosperity. A common thread that runs through them is the concept of developing a “wealth mindset.” The Latte Factor is the first book to walk me through one person’s story of personal growth, not just in the area of wealth. David Bach has created a beautiful parable of Zoey, a young girl on the path to a rich and fulfilling life. As Zoey’s mentor tells her, “You don’t have to be rich to live rich.” She finds her mentor in the most unlikely place: as a barista in her favorite coffee shop. Henry, who turns out to be much more than “just” a barista, teaches Zoey the building blocks of wealth. The Latte Factor isn’t just about giving up your daily latte or scrimping and scraping to build a nest egg. It’s about setting goals and priorities, and then ensuring that you reach them by paying yourself first. It’s not about creating a budget, eating ramen every day, and never going out with friends. It’s about making those payments to yourself automatic so that you never even miss the money. David Bach, known for financial management books such as The Automatic Millionaire and Smart Women Finish Rich, has paired up with John David Mann to tell a story that is sure to inspire generations of young people to start consciously creating their lives and their financial freedom. And, while the story may be geared toward twenty-somethings, this fifty-something found it inspiring and enlightening. Using a fictional format and the tale of how one young woman learns the key concepts Bach has espoused in his other books, The Latte Factor is sure to become a perennial bestseller. ## Frequently Bought Together - The Latte Factor: Why You Don't Have to Be Rich to Live Rich - The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich - Smart Women Finish Rich, Expanded and Updated --- ## Why Shop on Desertcart? - 🛒 **Trusted by 1.3+ Million Shoppers** — Serving international shoppers since 2016 - 🌍 **Shop Globally** — Access 737+ million products across 21 categories - 💰 **No Hidden Fees** — All customs, duties, and taxes included in the price - 🔄 **15-Day Free Returns** — Hassle-free returns (30 days for PRO members) - 🔒 **Secure Payments** — Trusted payment options with buyer protection - ⭐ **TrustPilot Rated 4.5/5** — Based on 8,000+ happy customer reviews **Shop now:** [https://www.desertcart.tn/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich](https://www.desertcart.tn/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich) --- *Product available on Desertcart Tunisia* *Store origin: TN* *Last updated: 2026-04-24*