The Latte Factor gave me a new outlook on life and finances! The beginning hooked me in with its easy to understand information. The book did not feel dry which can tend to happen in financial readings. I enjoyed what I learned and found it useful reading this book.

LOVED this book!! I've been a David Bach fan for a number of years, and this book lived up to my expectations. I shared it with my young adult son, who is learning to navigate his finances.

As someone who struggles with money, I love this story. It was a fictional book that applied money sense. Thank you for the free review Net Galley.

This engaging story illustrate the principals of the Automatic Millionaire in a way those who only money knowledge is how to spend it can understand. After reading the Automatic Millionaire years ago and following the plan,I am looking to an early retirement soon. I started later and still retiring ten plus years early. This really works.

This short book is a great distillation of David Bach's financial advice. It's in an easy to read narrative format but still stuffed full of financial advice. While the book can at times feel a little preachy, the advice itself is good and the financial breakdowns and charts in the back of the book are helpful.

An interesting way to present some financial instructions through a fictional tale. Through Zoey struggling with a job decision that is also a financial decision, with a chance meeting with a guy in a coffee shop she gets some lessons that help make that decision and future decisions.

I liked this quick little book that was full of life lessons but in such an unique way. It was easy to put myself in Zoey's shoes and think about the financial decisions I make on every day and how the small decisions impact the big ones and the future.

I think this is the perfect gift book for a high school and college graduate. Here are some lessons that should be learned when you are young because if you start that interest early it makes such a difference when you are older.

I can understand why Oprah had him on her show and why it became a hit. I am so surprised I didn't hear about then, but glad to have read it now.

I really enjoyed this book! It's so different than other personal finance books because it's written as a story. I connected with Zoey, her struggles and her life. I wished the book were longer because I wanted the story to continue. :) But at the same time, it's a short read perfect for the teens and 20-something's in your life. I gifted a copy of the book to my niece. I said to her: " Read this story and learn how to become a millionaire." She grabbed the book and she's now reading it. I plan to talk about Zoey after she's done. :)

Unlike most finance books which delve into the hows and whys and bombard you with charts and numbers, this reads like a novel and you learn financial concepts via the character in the book. Although this seems more geared to the Millennial or GenZ demographic, I believe it's a good place to start for those with little financial knowledge and need guidance for where to start. I really wish someone had given me this book in high school, because it would have steered me through much better financial choices in my 20s where I spent with abandon and didn't start til I was 30.

This book reminded me of an more modern Wealthy Barber. Unlike most of Bach's other books that I have read, which have been narrated through him, this was the tale of saving money through Zoey, a young woman living in New York. She learns all about the Latte Factor, about saving and about working towards your goals. I really enjoyed it. It was a good reminder to set yourself up for success and let money work for you. Great lessons on finance in an approachable way.

Thank you to NetGalley for the ARC in exchange for an honest review.

I received this arc from NetGalley for an honest review. Financial books for those who want/need financial help are great. Books written in a way that talks down to woman are not okay. I wanted to throw my kindle out the door.

The bones of a good advice book were there. I think this took a bit too much of a patronizing form though with the story. It simply became two men telling this girl how wrong she was doing things. I mean, from a general standpoint, yes it gave good advice on general investments and also on how there is more to life than money, but I think this just took too much of a dive in trying to please some millennial agenda. I did jot down some notes on financial freedom and guidance on the basics of investing, but as a whole package, I found it more of an issue than a problem solver.

Thank you to netgalley for the free copy of this week in exchange for an honest review.

In general, it has solid financial advice (pay yourself first, don’t budget—make it automatic, live rich now). HOWEVER, I felt like I was being #mansplained throughout this. The girl, Zoey, has never been good at money. She meets a guy named Henry who apparently IS good at money. He gives her some financial advice that she apparently could not have figured out her own. Essentially, this book is focused on a man explaining to a woman why we aren’t good with money (just skip your latte!) and that we should invest in the stock market instead.

Despite having read both The Automatic Millionaire and Start Late, Finish Rich, David Bach’s latest novel was still worth reading. The Latte Factor condenses Bach’s secrets to financial freedom into an easy to read parable that follows twenty-something Zoey as she learns about these secrets from the most unlikely of characters. Her various conversations are filled with metaphors that shift the her perspective, while also clarifying and simplifying important lessons from Bach’s previous books. Although much of what Zoey learns can be learned by reading The Automatic Millionaire and its follow-ups, being written as a parable makes this story much more accessible and relatable for those that might recoil at the thought of picking up a financial book. Whether you have read Bach’s more in depth books, or this is your first foray into treating your money like your health, I would recommend giving The Latte Factor a read. Thank you to David Bach and John David Mann for continuing to educate the world and to NetGalley and Atria Books for the opportunity to review this advance reader copy.

The Latte Factor by David Bach and John David Mann is a financial parable. Super fast and easy to read. The joy is in the simple tenants that are easy to understand but hard to accomplish without understanding. Highly recommend. Great read to give as a wedding present or graduation gift.

This is an easy, quick read that tells the story in an engaging way while teaching very important financial and life lessons. I highly recommend this book especially to young people so that they can implement these important financial skills and habits early on.

This book is truly inspiring! I loved how David wrote this book like a work of fiction but how there are so many great messages included through it. This book helps to shake things up and make you look at your own latte effect and see what it is and just how much money is wasted everyday on things we don't need. When people say "oh, i'm broke" but yet buy their daily Starbucks we have to ask ourselves how we got there. What if instead we funnel this $$$ into our retirement and learn to live freely and happily? I highly recommend this book to anyone looking at their own latte factor and wanting to change their futures and be able to live freely and happily.

When you pick up a David Bach Book, you expect to learn about personal finance. This book is so much more than that, it is about inspiring your new life.

The story is about a young woman on a path to nowhere. She works a daily job just to survive. David elegantly takes teaches her that life is not about a paycheck, but it is about working to allow us the life we love. This book is not about setting up budgets and giving up lattes. It is a book about finding what brings you joy in life, getting clear on it an how to fund it. This book is a fun little story designed for people of all ages. He shows how making smart choices with your money will help you achieve the things that matter.

I would recommend reading this as your first book in personal finance and follow it by the Automatic Millionaire. The reason I would choose this as your first books is based on the first chapter. "If You Don't Know Where You Are Going, You Might Not Like Where You End Up". The key to motivating you to pay attention to your money is to understand the life you want to live.

Take time to read this little story, share it with your Friends, Family, Children, and Co-workers.

The mysterious words appear on a message board on her way to work, "If you don’t know where you’re going, you might not like where you end up.” The first chapter ends with the question: “What am I doing with my life?”

“The Latte Factor” is a modern parable, written in the same vein as Bob Burg’s “Go Giver” and Skip Prichard’s “Book of Mistakes”. The story follows Zoey as she learns the principles of financial freedom and true wealth.

"The Latte Factor" isn’t actually about lattes, it’s about perspective and choices and the power of compounding. Albert Einstein is claimed to have said, “Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

Zoey works for a travel magazine. In photography, "Where you stand, and what you see from there, is the key to putting together the right picture. That’s what creates the perspective you want.” The perspective for wealth-building is set up by the observation "If you can afford that latte, you can afford …”.

The challenge presented by “The Latte Factor” is to examine your life and decide what you will do with it day by day in order to have lived a life worth living.

An entertaining and educational tale - highly recommended.

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! ;)

This review is also posted on my Goodreads and personal blog.

This was a very quick read and was a very relatable way to explain how small changes in your everyday finances can be invested to make you money in the future. I enjoyed that it was told in a story fashion with the "lessons" built in. I highly recommend it for people just starting out or for people who need a reminder of how small changes can lead to big payoffs.

Thank you to NetGalley and the publisher for providing me with an advanced copy of this book in exchange for an honest review.

Honestly, I wanted to throw this book out a window. The bones of good financial advice are there — invest for retirement, prioritize what matters, pay yourself first — but the execution is gendered, plays into harmful stereotypes, and also potentially toxic.

This book is about a young girl named Zoey who has, gosh darn it, just never been good at money. She works for a travel magazine but has no money to travel. One day, after randomly contemplating the 9/11 Memorial on her way to work (?), she has lunch with her boss, Barbara (a boring, non-fashionable woman who brings her lunch). Barbara tells her to talk to Henry, the guy at the coffee shop Zoey goes to each morning.

What ensues is a week of Zoey learning valuable life and financial lessons from a 70-year-old man (that she just can't put her finger on it, but man, he's just so likeable, what could it be, could it be that a MAN wrote this book and this is how he would like to think young women look at old men??). He's apparently a human calculator (contrasting nicely with Zoey's inexplicable inability to do math) and can calculate the effect of 10% returns on $5 a day in his head. He also does weird things like holding onto her hands and staring into her eyes as she's trying to leave to tell her that she can change her destiny by paying herself first.

I could go on and on. I highlighted so many creepy and sexist sentences. Yes, stereotypes exist for a reason, but playing into them like this is NOT the way to address them.

Now let's talk about the idea that giving up your daily latte can make you a millionaire by the time you retire. UM, NO. Maybe giving up your coffee can help you save for a vacation, but you only have one coffee — that one coffee isn't going to solve all your financial problems. The book tries to address this by saying it's a metaophor; it's not about depriving yourself, it's about giving up what you don't really need in service of your future self. Well, I completely agree with that. But not by making people question every single latte they buy. That just breeds guilt.

Also, what about the people who come from less privilege who legitimately cannot buy lattes? What's your magic pill for them? ALSO ALSO, just the idea of "give up your daily latte" is inherently gendered advice. Men don't usually buy lattes because society has told them it isn't manly to do so. So do you tell those tech bros to give up their Friday six-pack of beer? I didn't think so.

Ultimately, this was creepy and oversimplified and tone-deaf and problematic.