#1 New York Times best-selling author David Bach

You may have seen
David Bach on:

I've helped millions of people become automatic millionaires.
I love seeing lives changed and people taking the necessary
steps to live the life of their dreams! I'm thrilled when I see
people who follow my simple strategies and find success.

Lynn Hadley met me at one of my
earlier "Smart Woman Finish Rich" semi-
nars with no plan of action and a small
portfolio. Now a decade later she now
has a net worth over
1.6 million dollars.

When I first met Lynn, I said "With what
you have now you won't starve during
your retirement. You'll be able to enjoy
the early bird special. But you won't be
traveling to Europe or taking any cruises.
If you want to finish rich, you are
going to need a new plan of attack."

I made it clear to her that this new plan wouldn't involve anything particularly
fancy or complicated. It would all be based on common sense. The thing was,
she would have to apply what I taught her. Not just pay it lip service, but
actually do it.

"The choice is ultimately yours," I told her. "If you want to retire rich, we can
work together to make it happen. I'll guide you, but you'll need to follow through,
otherwise it won't work."

Fewer than ten years later, Lynn took early retirement-rich enough to do
what she wanted to do, when she wanted to do it.

Jim and Sue McIntyre have the appearance of your average, every day American, but
if you were to look at their financial statements they are everything but average. They
are approaching $2 million in Net Worth with zero debt, all while earning an
average American income of $53,000. They have accomplished all of this by following the simple principles that David Bach teaches.

Jim and Sue McIntyre are only in their early 50's and they own two homes, one they
live in (valued $450,000) and a rental property (valued at $325,000). Jim has a 401(K)
balance of $610,000. Sue has one of her own totaling $72,000. They also own
$160,000 in municipal bonds and have $62,500 in cash in a bank savings account.
They decided to apply these powerful, yet simple principals once, and now it's all done automatically.

Look at what some of my students have to say for themselves.

Dear David,

You're the best thing that ever happen to me! My life has been consumed by credit card debt for almost
six years. I was divorced in 1999 and became a single mother on an income of $35,000. I agreed to settlement
that saddled me with $40,000 in credit card debt.

I set up my Latte Factor sheet for the week, I set up a DOLP schedule and I called and lowered my interest
rates, too. For once I felt good about working toward my goal of no credit card debt and I went at it with
enthusiasm. I won! As of June 29, 2005, I officially made my last credit card payment and was thrilled to call the company and close account. I cut the card up into as many pieces as I could and was dancing around crying in pure joy! It seemed like it took an eternity, but I did it! Yeah! I felt like I lost a hundred pounds.

I'm also proud to say that I've set up an account with ING Direct, which I never heard of until I read your book,
and am saving automatically a little each week from my paycheck. And I have opened my 401(k) at work and
was putting in 7%, but we got a raise last week of 3% so I increased it to 10% I love it!

David, you're given me gifts I never knew I could have. I've accomplished a huge goal, and once again found happiness, control over my life, power in myself, and determination. Being a single mom with those great characteristics will only help my daughter to achieve much in her life, too.
So, you've touched us both.

Thanks again and God Bless you!

Dear David,

I am 48 years old and not working outside of the home. My husband is sole breadwinner. I decided to Pay
Myself First and started with $1,500 per month plus 30% of my husband's salary (His company doesn't offer a
401(k), so the money is taken after tax.). In about six months' time, I was able to save over $30,000! And
because of that savings, I was able to help out my mom, who is terminally ill with lung cancer, to pay some of her medical bills, and ward off literally being forced to "sell the farm." In addition, we have been able to put the maximum allowed into our IRAs for the year 2005, and we have no credit card debt. We have no payments, other than our mortgage.

By applying these principles to our finances, I feel the magic of peace of mind, knowing that I am doing all I can to retire rich.

Hey David,

I saw you on television and wanted to share our story. About 3 years ago, I heard about your phrase “Pay
Yourself First.” My husband and I were contributing to our retirement plans, but not as much as we could have been.

Our first step was to increase my husband's contribution to his 401K plan to the maximum his company
allowed. As a small business owner, I also started my IRA plan.

Then came the Latte Factor. Mine was a little different-it was a Wal-Mart factor!! I would walk out of Wal-Mart
with $200 worth of junk-things I certainly didn't need. You know, a box of candles here, a fake plant there. So I
started to go shopping with a list. That went for the grocery store as well.

I absolutely could not believe how much money I had left over at the end of the month. I opened a money
market account and, within 6 months, I had so much money just sitting there that my financial advisor advised
me to purchase stocks and bonds. Three years later my account is over $150,000!!!!!!!!

Our 401K and IRA accounts keep growing as well. Now, I must admit this has almost become an obsession. I am addicted to saving!!! I actually write my savings check first and go grocery shopping with the money that's left over!!!

As a result, our retirement plans have changed. My husband is 43 and I am 40, and we thought we'd both
have to work until we were 65, but now we've bumped that down to 55!! If I keep going at this rate, we might actually retire even earlier.

The best feeling in the world is when my husband tells me how proud he is of me and how well I have handled our money. (He wants to retire ASAP.)

Thanks for the wonderful advice!

Dear David,

We're feeling GREAT today despite having three special needs children and the mounting bills that accompany them; we started the automatic deduction process ten years ago with my husband's 401(k). You really do not miss what you cannot see. The automatics deduction has grown from zero to over $126,000 even though we have had to tweak our percentage to match our financial needs at any given time. Despite dropping to 2% some years, we are back to 18%.

I work two part-time jobs. I have $250 a week automatically go into a money market account to cover withdrawn to be divided into 529 accounts for my two sons. We automatically put the rest of my pay into our emergency fund, which is over $20,000 – five months worth! Another $50 a week automatically goes into a vacation club. We also make one extra payment a year on our mortgage.

I am now in the process of having money from my second job put into either a SEP IRA or the new one-person 401(k). Like you said, the only true way to do this is through automation. For years, we were very disciplined but could not commit. Now, we are used to it. We live comfortably below our means knowing our future will be set! Not bad for a family beset with many challenges.

Dear David,

I immediately opened a money market account for as emergency fund (which we didn't have before). We opened IRAs and contributed the maximum. We increased my husband's 401 (k) contributions to the maximum, and we're overpaying our house payments by $1,000 a month!

Even though I'm a stay-at-home mom, I feel like I have contributed so much to our retirement because before I read your book we weren't doing any of these things. I have such peace of mind that we're on the right track. I'm confident that we'll be millionaires by the age 50.

I rave about your book to all my friends and family and have bought your book for some of my friends. I was so excited to see that you wrote Start Late, Finish Rich. I've already bought it for my mom and she loves it!

Dear David,

When I look at the results, I am proud. Since July, I have started an emergency fund that has $1,800 and gets automatic deposits of $50 a week. I have increased my 401(k) contribution from 4% to 15% and my husband's from 5% to 15%. I have set up almost every bill on automatic payment, and pay extra towards my home equity loan.

I am really proud of the fact that I talked 3 of my coworkers into signing up for r the 401(k). The company has been giving away free money for years, but they never got around to signing up.

I really admire people who become successful without sacrificing their values. You have helped countless people, David, and I wanted to write and say thank you.

Dear David,

What I figured out is that when I am in the grocery store or clothes shopping, I pick up all these extras that are not necessary. I took my receipts form a past month and found over $600 worth of things I really didn’t need or would not have missed had I not bought them. This has allowed me to open an ING account and increase my 401(k), and pay more toward my debt.

Dear David,

I bought a second home three years ago and because of your book, I switched to a biweekly mortage automatic payments system this week that will shave off seven years of payments and save me over $100,000. Thank you for your wonderful advice.

See, it’s entirely possible to live…and finish rich. All you do is follow my
simple, step-by-step stragies and you’ll be on your way to creating a
success story of your own.

HOW IT WORKS

WHAT YOU'LL GET

© 2007 FinishRich Media, LLC. Powered by Prosper, Inc.