Appendix: Charts

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THE TIME VALUE OF MONEY

START EARLY

THE EARLIER YOU START, THE BIGGER YOUR NEST EGG

(Assumes 10% Annual Rate of Return)

Daily Investment	Monthly Investment	10 Years	20 Years	30 Years	40 Years	50 Years
$5	$150	$30,727	$113,905	$339,073	$948,612	$2,598,659
$10	$300	$61,453	$227,811	$678,146	$1,897,224	$5,197,317
$15	$450	$92,180	$341,716	$1,017,220	$2,845,836	$7,795,976
$20	$600	$122,907	$455,621	$1,356,293	$3,794,448	$10,394,634
$30	$900	$184,360	$683,432	$2,034,439	$5,691,672	$15,591,952
$40	$1,200	$245,814	$911,243	$2,712,586	$7,588,895	$20,789,269
$50	$1,500	$307,267	$1,139,053	$3,390,732	$9,486,119	$25,986,586

A PACK A DAY KEEPS RETIREMENT AWAY

(Assumes 10% Annual Rate of Return)

A Pack a Day Costs	Over a Month That Comes to	10 Years	20 Years	30 Years	40 Years	50 Years
$7	$210	$43,017	$159,467	$474,702	$1,328,057	$3,638,122

BOTTLED WATER IS A FORTUNE DOWN THE DRAIN

(Assumes 10% Annual Rate of Return)

Avg. Daily Water Purchase	Over a Month That Comes to	10 Years	20 Years	30 Years	40 Years	50 Years
$1	$30	$6,145	$22,781	$67,815	$189,722	$519,732

HOW MUCH MONEY DO YOU NEED TO SAVE EACH DAY TO BECOME A MILLIONAIRE BY 65?

Daily or Monthly Investments Suggested to Build $1,000,000 by Age 65 10% Annual Interest Rate

Starting Age	Daily Savings	Monthly Savings	Yearly Savings
20	$4.00	$124.00	$1,488.00
25	$6.00	$186.00	$2,232.00
30	$10.00	$310.00	$3,720.00
35	$16.00	$496.00	$5,952.00
40	$26.00	$806.00	$9,672.00
45	$45.00	$1,395.00	$16,740.00
50	$81.00	$2,511.00	$30,132.00
55	$161.00	$4,991.00	$59,892.00

The purpose of this chart is to share with you how much money you should be saving, daily, monthly, or annually, with a rate of return of 10% to accumulate $1,000,000 by the age of 65.

SAVINGS GROWTH OF $100 DEPOSITED MONTHLY

Depending on the rate of return, putting just $100 a month into an interest-bearing ccount and then letting it compound can generate a surprisingly large nest egg.

Interest Rate	5 Years	10 Years	15 Years	20 Years	25 Years	30 Years	35 Years	40 Years
$100/mo invested at 2.0%	$6,315	$13,294	$21,006	$29,529	$38,947	$49,355	$60,856	$73,566
$100/mo invested at 3.0%	6,481	14,009	22,754	32,912	44,712	58,419	74,342	92,837
$100/mo invested at 4.0%	6,652	14,774	24,691	36,800	51,584	69,636	91,678	118,590
$100/mo invested at 5.0%	6,829	15,593	26,840	41,275	59,799	83,573	114,083	153,238
$100/mo invested at 6.0%	7,012	16,470	29,227	49,435	69,646	100,954	143,183	200,145
$100/mo invested at 7.0%	7,201	17,409	31,881	52,397	81,480	122,709	181,156	264,012
$100/mo invested at 8.0%	7,397	18,417	34,835	59,295	95,737	150,030	230,918	351,428
$100/mo invested at 9.0%	7,599	19,497	38,124	67,290	112,953	184,447	296,385	471,643
$100/mo invested at 10.0%	7,808	20,655	41,792	76,570	133,789	227,933	382,828	637,678
$100/mo invested at 11.0%	8,025	21,899	45,886	87,357	159,058	283,023	497,347	867,896
$100/mo invested at 12.0%	8,249	23,234	50,458	99,915	189,764	352,991	649,527	1,188,242

WHO SAYS YOU CAN’T EARN 10%?

THE LATTE FACTOR CHALLENGE^TM

DAY __________  DATE __________

	Item:	Cost:	Wasted Money?
	What I bought	What I spent	( for yes)

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My Latte Factor Total: (Total Cost of Checked Items)

THE LATTE FACTOR MATH

My Latte Factor for one day    = __________

My Latte Factor for one month  = __________ (Latte Factor x 30)

My Latte Factor for one year    = __________ (Latte Factor x 365)

My Latte Factor for a decade    = __________ (Latte Factor x 3,650)

IF I INVESTED MY LATTE FACTOR FOR:

10 years it would be worth = _________________________

20 years it would be worth = _________________________

30 years it would be worth = _________________________

40 years it would be worth = _________________________

CALCULATING YOUR LATTE FACTOR

To calculate the number above go to www.davidbach.com, click on Latte Factor, and use the Latte Factor calculator.

FREE! MY GIFT TO YOU

To win a free Latte Factor mug, share your Latte Factor experience by emailing us at success@finishrich.com. Just tell us what happened to you when you took the challenge. How much money did you find? What did you learn? Every week a winner will be selected!

THE DOUBLE LATTE FACTOR CHALLENGE

Calculating your Double Latte Factor means looking not just at your daily expenses, but at your weekly, monthly, seasonal, and annual expenses to find items and services big and small that can be eliminated or reduced for big savings.

	Item or Service	Cost	Wasted Money?		Amount Saved	Amount Saved Monthly
	What I bought or buy	How much I spent or spend	if this can be eliminated!	if this can be reduced!	I can save X amount by doing Y!
Item Example	Bagel with cream cheese and a small coffee	$3.50			$2 per day by eating at home	$60
Service Example	Two cell phones for myself and Alatia	$200/mo. Including all extra fees			$50/mo. by changing service plans	$50
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My Double Latte Factor (Total Amount I Can Save Monthly)						$