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Automatic Millionaire WorkbookChapter 1
Learn to Pay Yourself First

Let's talk about budgets. You're never going to need one again.

Wait a minute. Wasn't the point of The Latte Factor to track how much you're spending so you can cut back and save? And doesn't saving mean being on a budget?

No. The point of The Latte Factor was to demonstrate that you earn enough, right now, to start saving and investing and building future wealth. And that means throwing away your budget.

BUDGETS JUST DON'T WORK
Why do most people think they need a budget? Because that's what their parents or grandparents told them. Maybe a financial expert. But were they rich? Were they free from financial worries?

Budgets don't work because they're hard. Just like diets, budgets ask you to deprive yourself today for a reward tomorrow. We're not good at that sort of thing. It goes against human nature.

Budgets don't work because they ask you to be disciplined and be controlled. But we don't like being controlled; we want to be in control. And for most of us, we're too busy to be disciplined—it takes too much time. You should never let your money control you. You should be able to do this with very little discipline and time commitment. So, for your own good, please dump those budgets in the garbage. There really is an easier way. I'm going to give you an alternative--a system that allows you to tear up your budget and never worry about it again.

Click here for the full chapter. (PDF file)

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Success Stories

Real Advice, Real People, Real Results.

My husband and I met in 1997 married two years later in Sept 1999, and are a combined family of 3 children who were 3,4 & 5 at the time we met. Since that time we knew that we needed to buy a home and start building equity. We saw what our family members were doing and wanted to be the same way. It was not until early 2002 that we were able to find something affordable and the loan made sense. We had to move almost an hour away from the big city of Sacramento and commute back in for our jobs. Th ... more



- Michelle Haney
Marysville, CA

Marysville, CA

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Start Late, Finish Rich

In Start Late, Finish Rich, David Bach takes the "Finish Rich" wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life's unexpected challenges.

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