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Start Late, Finish Rich: Canadian Edition Hardcover – Jan 4 2005

3.3 out of 5 stars 4 customer reviews

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Harry Potter and the Cursed Child
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Product Details

  • Hardcover: 336 pages
  • Publisher: Doubleday Canada; 1 edition (Jan. 4 2005)
  • Language: English
  • ISBN-10: 0385661312
  • ISBN-13: 978-0385661317
  • Product Dimensions: 15.7 x 3 x 23.6 cm
  • Shipping Weight: 567 g
  • Average Customer Review: 3.3 out of 5 stars 4 customer reviews
  • Amazon Bestsellers Rank: #191,320 in Books (See Top 100 in Books)
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Product Description

From Amazon

"It's only too late if you give up," promises David Bach in the Canadian edition of Start Late, Finish Rich, and with those words the money coach props up the sagging hopes and deflated egos of many readers who fear they have squandered their financial futures. The best-selling author of Smart Women Finish Rich, Smart Couples Finish Rich, The Automatic Millionaire, and others is aiming his latest book at all of the people who say they wish they knew 20 or 30 years ago what they know today about money. In his earlier books, Bach helped readers identify their "latte factor"--the small daily splurges that add up to a lifetime of living paycheque to paycheque. In this book, he helps readers find the "double lattes"--the satellite dishes, DVD subscriptions, giant pick-up trucks, and other larger annual extravagances that they can easily live without. Once readers wrangle their spending under control, he recommends ways that they can turbo-charge their earnings power by starting a small business, direct selling, auctioning items on eBay, or becoming a landlord. Then, when people have built up some assets, Bach offers advice on dividing the spoils into three equal pots of real estate, stocks, and bonds. With Bach's cheerful prodding, readers can overcome their inertia and start putting into place his simple plan. "The fact is, most people overestimate what they can do financially in a year--and underestimate what they can achieve financially in just a decade or two." After all--as Bach says--the past will continue to be your future if you drag it along with you. --Carolyn Leitch

Review

“Here is one good source to help you realize that there are options and it is possible to create life the way you want it, financially speaking. . . . [Bach’s] work looks at many fine details and provides research backed up with actionable ideas. ” – Times-Colonist

“David Bach tackles head-on the common complaint for far too many complacent Canadians that they can’t help themselves financially or it is too late to do so. Bach’s practical messages with proven financial principles to help oneself are doable. . . . It’s never too late. Bach can help those who are motivated to help themselves.” –Canadian MoneySaver

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Customer Reviews

3.3 out of 5 stars
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Top Customer Reviews

Format: Hardcover
I have not read any other books in this series, but the subject matter of this book appealed to me. I often run into people who (for various reasons) don't have much liquid wealth going into their 40s. Yet I haven't seen much written to suggest what these folks should do. I was hoping to get some ideas to share. Unfortunately, I didn't really find any that I didn't know about already.

If you are over 50, this book won't provide you with the advice you need. The intellectual process that Mr. Bach went through was to take the familiar arguments about the power of compound interest and saving with pre-tax dollars . . . and think of a few ways to shorten up the number of years required for compound interest to do its thing on your behalf. His best suggestions outside the standard financial planning advice are to be more valuable at work so you can earn more raises and promotions . . . and paying down your mortgage a little faster than is required.

I applaud his advice that people spend less on things that don't provide much benefit . . . but most people are going to be demoralized if that's the main source of increased liquid wealth. After all, most people want wealth not for retirement . . . but to enjoy life before and after they retire.

I found his arguments about starting your own business to earn more money to be naive at best . . . and overoptimistic at worst. Buying and running . . . or starting and running a business requires a lot of hard work and skill. Most successful entrepreneurs are off doing this by around age 35. Most people at 49 will find it a tough hill to climb. I applaud Mr. Bach's suggestion that people look into buying, operating, expanding and then selling franchised operations that meet his criteria.
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Format: Hardcover
I'm a big David Bach fan but this was by far his most helpful book yet. There are lots of helpful links on how to buy a house, where to start, and what you should do even if you don't have a lot of money for a down payment. There are also lots of suggestions for how to generate additional income that I had never thought of before. Definitely a "must read" for any age. Oh, and if you're not registered to David's newsletter, you should sign up at [...] It'll let you know when he may be coming to a town/city near you. I had an opportunity to meet him this week and he was truly motivational!
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By A Customer on Feb. 14 2005
Format: Hardcover
Good book to get going with wealth. Another good book is Stop Working by Rohan Hall.
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Format: Hardcover
I ordered this book expecting something more than "don't buy coffee at Hortons' and bank it instead. This book lacked any sort of in depth financial advice; instead merely advocates spending less money. I followed that spending advice and promptly returned the book.
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Most Helpful Customer Reviews on Amazon.com (beta)

Amazon.com: HASH(0x98b0c270) out of 5 stars 3 reviews
1 of 1 people found the following review helpful
HASH(0x98bb0804) out of 5 stars Best David Bach Book Yet! Jan. 27 2005
By Lisa McPhee - Published on Amazon.com
Format: Hardcover
I'm a big David Bach fan but this was by far his most helpful book yet. There are lots of helpful links on how to buy a house, where to start, and what you should do even if you don't have a lot of money for a down payment. There are also lots of suggestions for how to generate additional income that I had never thought of before. Definitely a "must read" for any age. Oh, and if you're not registered to David's newsletter, you should sign up at [...] It'll let you know when he may be coming to a town/city near you. I had an opportunity to meet him this week and he was truly motivational!
HASH(0x98bb20b4) out of 5 stars Easy to Read, Easy to be Motivated March 15 2009
By Robynnn - Published on Amazon.com
Format: Hardcover
I enjoyed this book, it's an easy read and very thought provoking. The best thing we Canadians can do is to contribute to our RRSP through payroll deductions. It's definitely an eye-opener to the idea of planning ahead for your future and David Bach tells how to do it. I've bought copies for each of my teenage sons.
0 of 1 people found the following review helpful
HASH(0x98baae7c) out of 5 stars A Wanton Waste of Tree Lives Feb. 21 2005
By vienna - Published on Amazon.com
Format: Hardcover
I ordered this book expecting something more than "don't buy coffee at Hortons' and bank it instead. This book lacked any sort of in depth financial advice; instead merely advocates spending less money. I followed that spending advice and promptly returned the book.


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