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Automatic MillionaireChapter One
Meeting the Automatic Millionaire

I'll never forget when I met my first Automatic Millionaire. I was in my mid-twenties and was teaching an investment class at a local adult-education program. Jim McIntyre, a middleaged middle manager for a local utility company, was one of my students. He and I hadn't spoken much until one day when he came up after class to ask if he could make an appointment with me to review his and his wife's financial situation. The request surprised me. Though I felt strongly (and still do) that just about everyone can benefit from the advice of a qualified financial planner, Jim didn't strike me as the type who would seek it out.

I told him I'd be happy to set up a meeting, but if he wanted my help, his wife would have to come too, as my group managed money only for couples who worked on their finances together. Jim smiled. "No problem," he said. "Sue's the reason I'm here. She took your Smart Women Finish Rich seminar and told me I should sign up for your course. I've liked what you've had to say, and we both figure it's time to do some financial planning. You see, I'm planning to retire next month." Now I was really surprised. I didn't say anything, but as I looked Jim up and down, I doubted he could be in a position to retire. From the few comments he had made in class, I knew he was in his early fifties and had worked for the same company for thirty years, never earning much more than $40,000 a year, and didn't believe in budgets. I also knew that he considered himself to be "ultraconservative," so I figured he couldn?t have made a fortune in the stock market. My Grandma Rose Bach had taught me never to judge a book by its cover. But something didn't add up. Maybe Jim had just inherited a lot of money. For his sake, I hoped so.

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Success Stories

Real Advice, Real People, Real Results.

Hello I live in Guayaquil Ecuador, and I really learned to save money and to think about my future. I started taking care of my latte factor and I closed my credit cards. Now I have a fund that takes 20 percent from my salary and I\'m so happy because I\'m out of debt. In my country they don\'t have the 401(k) or the way of paying mortgages twice a month so I\'m a little concerned, but at least I know how to save and not to spend on meaningless things. Thank you.. regards Reina ... more



- Reina Cedeño
Guayaquil, ..

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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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    Advisory Services offered through Edelman Financial Services LLC. Securities offered through Sanders Morris Harris Inc., an affiliated broker/dealer, member FINRA/SIPC

    David Bach is Vice Chairman of Edelman Financial Services LLC, a Registered Investment Advisor. He is an Investment Advisor Representative who offers advisory services through EFS and a Registered Representative of (and offers securities through) Sanders Morris Harris Inc., an affiliated broker/dealer, member FINRA/SIPC