Procrastinators rejoice! The author of bestsellers such as The Automatic Millionaire, Smart Women Finish Rich and Smart Couples Finish Rich brings good news with his latest book, Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age. With feel-good sensibilities, David Bach delivers levelheaded strategies for reaching financial goals. You don't prepare for a marathon by trying to run 26 miles the first day of training, advises the writer. You build up to it gradually. In this book, Bach's previously coined Latte Factor is turbo-charged to become the Double Latte Factor. The premise for both is cutting back on little things like fancy coffee drinks and premium cable. These extravagancies add up and could be building a nest egg rather than just a waistline.

Bach's clever approach will make readers feel as if they're having a one-on-one conversation with a friendly personal financial counselor. His good-news message requires a shift from focusing on past mistakes to planning and preparing for attainable future goals. Each page offers easy-to-follow life-changing tips, including a four-week action plan for getting a raise. Powerful, poignant and pleasing, Start Late, Finish Rich can't be read fast enough. Bach doesn't claim to have the Midas touch, but this book is pure gold.

Tiffany Speaks is a former business writer for Newsweek Japan who does her budgeting and writing from Norman, Oklahoma.

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