--- product_id: 102731387 title: "The Latte Factor: Why You Don't Have to Be Rich to Live Rich" price: "130 zł" currency: PLN in_stock: true reviews_count: 11 url: https://www.desertcart.pl/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich store_origin: PL region: Poland --- # The Latte Factor: Why You Don't Have to Be Rich to Live Rich **Price:** 130 zł **Availability:** ✅ In Stock ## Quick Answers - **What is this?** The Latte Factor: Why You Don't Have to Be Rich to Live Rich - **How much does it cost?** 130 zł with free shipping - **Is it available?** Yes, in stock and ready to ship - **Where can I buy it?** [www.desertcart.pl](https://www.desertcart.pl/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich) ## Best For - Customers looking for quality international products ## Why This Product - Free international shipping included - Worldwide delivery with tracking - 15-day hassle-free returns ## Description The Latte Factor: Why You Don't Have to Be Rich to Live Rich [Bach, David, Mann, John David] on desertcart.com. *FREE* shipping on qualifying offers. The Latte Factor: Why You Don't Have to Be Rich to Live Rich Review: Easy Read - Gave this book to my daughter who is in college, I had done the audible, but the book is always better to have! Small enough to keep in a purse. You will definitely learn some money saving tips, a very easy read! Review: Relatable and Engaging - I have read dozens of self help books over the years, many of them devoted to building wealth and prosperity. A common thread that runs through them is the concept of developing a “wealth mindset.” The Latte Factor is the first book to walk me through one person’s story of personal growth, not just in the area of wealth. David Bach has created a beautiful parable of Zoey, a young girl on the path to a rich and fulfilling life. As Zoey’s mentor tells her, “You don’t have to be rich to live rich.” She finds her mentor in the most unlikely place: as a barista in her favorite coffee shop. Henry, who turns out to be much more than “just” a barista, teaches Zoey the building blocks of wealth. The Latte Factor isn’t just about giving up your daily latte or scrimping and scraping to build a nest egg. It’s about setting goals and priorities, and then ensuring that you reach them by paying yourself first. It’s not about creating a budget, eating ramen every day, and never going out with friends. It’s about making those payments to yourself automatic so that you never even miss the money. David Bach, known for financial management books such as The Automatic Millionaire and Smart Women Finish Rich, has paired up with John David Mann to tell a story that is sure to inspire generations of young people to start consciously creating their lives and their financial freedom. And, while the story may be geared toward twenty-somethings, this fifty-something found it inspiring and enlightening. Using a fictional format and the tale of how one young woman learns the key concepts Bach has espoused in his other books, The Latte Factor is sure to become a perennial bestseller. ## Technical Specifications | Specification | Value | |---------------|-------| | Best Sellers Rank | #51,813 in Books ( See Top 100 in Books ) #122 in Budgeting & Money Management (Books) | | Customer Reviews | 4.7 4.7 out of 5 stars (2,336) | | Dimensions | 5.5 x 0.8 x 8.38 inches | | Edition | Illustrated | | ISBN-10 | 1982120231 | | ISBN-13 | 978-1982120238 | | Item Weight | 2.31 pounds | | Language | English | | Print length | 160 pages | | Publication date | May 7, 2019 | | Publisher | Atria Books | ## Images ![The Latte Factor: Why You Don't Have to Be Rich to Live Rich - Image 1](https://m.media-amazon.com/images/I/71pAgLKiEyL.jpg) ## Customer Reviews ### ⭐⭐⭐⭐⭐ Easy Read *by L***U on February 19, 2026* Gave this book to my daughter who is in college, I had done the audible, but the book is always better to have! Small enough to keep in a purse. You will definitely learn some money saving tips, a very easy read! ### ⭐⭐⭐⭐⭐ Relatable and Engaging *by K***R on May 8, 2019* I have read dozens of self help books over the years, many of them devoted to building wealth and prosperity. A common thread that runs through them is the concept of developing a “wealth mindset.” The Latte Factor is the first book to walk me through one person’s story of personal growth, not just in the area of wealth. David Bach has created a beautiful parable of Zoey, a young girl on the path to a rich and fulfilling life. As Zoey’s mentor tells her, “You don’t have to be rich to live rich.” She finds her mentor in the most unlikely place: as a barista in her favorite coffee shop. Henry, who turns out to be much more than “just” a barista, teaches Zoey the building blocks of wealth. The Latte Factor isn’t just about giving up your daily latte or scrimping and scraping to build a nest egg. It’s about setting goals and priorities, and then ensuring that you reach them by paying yourself first. It’s not about creating a budget, eating ramen every day, and never going out with friends. It’s about making those payments to yourself automatic so that you never even miss the money. David Bach, known for financial management books such as The Automatic Millionaire and Smart Women Finish Rich, has paired up with John David Mann to tell a story that is sure to inspire generations of young people to start consciously creating their lives and their financial freedom. And, while the story may be geared toward twenty-somethings, this fifty-something found it inspiring and enlightening. Using a fictional format and the tale of how one young woman learns the key concepts Bach has espoused in his other books, The Latte Factor is sure to become a perennial bestseller. ### ⭐⭐⭐⭐⭐ Buy more than one - you'll want to loan them out (or give them away)! *by V***A on May 13, 2019* I bought one for myself, and one for each of my kids. I've already loaned out 2 to people I know will be helped by it (maybe I need to get more!). I've read several of David's earlier books, and as a result of reading those, I have finally got a real shot at retiring. I started very late, but now I feel confident that I won't be a drain on my family as I age. His method is so practical, and so do-able, that just about anyone can do it (unlike David, I do understand that there are a small number of people living in extreme poverty that cannot rub two nickles together, and who aren't spending anything on unnecessary items - but hopefully this will be good information for when that ends, or for their kids). Most kids aren't being taught how to manage their money, and it shows. I had no idea, that's for sure! This book, written as a story, makes money management accessible even for younger kids. It's a must for teens and young adults, who NEED to know this stuff, before they get their first credit card. Buy this book. Read it. Give it away. Buy another and repeat. DO IT. It will change your life, and the lives of many others that you care about if you share it. ## Frequently Bought Together - The Latte Factor: Why You Don't Have to Be Rich to Live Rich - The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich - Smart Women Finish Rich, Expanded and Updated --- ## Why Shop on Desertcart? - 🛒 **Trusted by 1.3+ Million Shoppers** — Serving international shoppers since 2016 - 🌍 **Shop Globally** — Access 737+ million products across 21 categories - 💰 **No Hidden Fees** — All customs, duties, and taxes included in the price - 🔄 **15-Day Free Returns** — Hassle-free returns (30 days for PRO members) - 🔒 **Secure Payments** — Trusted payment options with buyer protection - ⭐ **TrustPilot Rated 4.5/5** — Based on 8,000+ happy customer reviews **Shop now:** [https://www.desertcart.pl/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich](https://www.desertcart.pl/products/102731387-the-latte-factor-why-you-dont-have-to-be-rich) --- *Product available on Desertcart Poland* *Store origin: PL* *Last updated: 2026-04-23*