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Product Description INSTANT NEW YORK TIMES, USA TODAY, WALL STREET JOURNAL, AND INTERNATIONAL BESTSELLER Discover #1 New York Times bestselling author David Bach’s three secrets to financial freedom in an engaging story that will show you that you are richer than you think. Drawing on the author’s experiences teaching millions of people around the world to live a rich life, this fast, easy listen reveals how anyone—from millennials to baby boomers—can still make his or her dreams come true. In this compelling, heartwarming parable, Bach and his bestselling coauthor John David Mann ( The Go-Giver) tell the story of Zoey, a twenty-something woman living and working in New York City. Like many young professionals, Zoey is struggling to make ends meet under a growing burden of credit card and student loan debt, working crazy hours at her dream job but still not earning enough to provide a comfortable financial cushion. At her boss’s suggestion, she makes friends with Henry, the elderly barista at her favorite Brooklyn coffee shop. Henry soon reveals his “Three Secrets to Financial Freedom,” ideas Zoey dismisses at first but whose true power she ultimately comes to appreciate. Over the course of a single week, Zoey discovers that she already earns enough to secure her financial future and realize her truest dreams—all she has to do is make a few easy shifts in her everyday routine. The Latte Factor demystifies the secrets to achieving financial freedom, inspiring you to realize that it’s never too late to reach for your dreams. By following the simple, proven path that Henry shows Zoey, anyone can make small changes today that will have big impact for a lifetime, proving once again that “David Bach is the financial expert to listen to when you’re intimidated by your finances” (Tony Robbins, #1 New York Times bestselling author of Money: Master the Game). Review “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 I first started my career, I was deep in debt and full of shame, fear, and embarrassment about money. David Bach’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 “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 has inspired millions worldwide to be smarter with their money; now 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 HerMoney Podcast “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 “ 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 “ 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.” —Farnoosh Torabi, host of So Money, author of When