An Imprint of Simon & Schuster, Inc.
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Copyright © 2019 by David Bach
All rights reserved, including the right to reproduce this book or portions thereof in any form whatsoever. For information, address Atria Books Subsidiary Rights Department, 1230 Avenue of the Americas, New York, NY 10020.
First Atria Books hardcover edition May 2019
and colophon are trademarks of Simon & Schuster, Inc.
The Latte Factor and The Latte Factor Challenge are registered trademarks of David Bach and FinishRich Media LLC.
This book is sold with the understanding that neither the Authors nor the Publisher are engaged in rendering legal, accounting, or other professional services by publishing this book. As each individual situation is unique, questions relevant to personal finances and specific to the individual should be addressed to an appropriate professional to ensure that the situation has been evaluated carefully and appropriately. The Author and Publisher specifically disclaim any liability, loss, or risk which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this work.
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Interior design by Joy O’Meara
Jacket design: James Iacobelli
Jacket photographs: (Latte) © Shutterstock
Library of Congress Cataloging-in-Publication Data
Names: Bach, David, author. | Mann, John David, author.
Title: The latte factor : why you don’t have to be rich to live rich / David Bach and John David Mann.
Description: New York, NY : Atria Books, [2019]
Identifiers: LCCN 2018058139 (print) | LCCN 2019000454 (ebook) | ISBN 9781982120245 (eBook) | ISBN 9781982120238 (hardcover)
Subjects: LCSH: Finance, Personal. | Wealth.
Classification: LCC HG179 (ebook) | LCC HG179 .B236 2019 (print) | DDC 332.024/01—dc23
ISBN 978-1-9821-2023-8
ISBN 978-1-9821-2024-5 (ebook)