David Bach > Quotes

“Life is not easy. But that's not the only truth that matters in this context. It also happens to be true that it takes just as much effort to have a "bad life," in which you don't get what you want, as it does to have a "good life," where you do. So given the choice, why not go for the good life?”
― David Bach

“Money is not an end in itself. It is merely a tool to help us achieve some particular goal. If the way we handle our money conflicts with our personal values, we are not going to wind up living happy and fulfilled lives.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Without values, goals rarely get accomplished . . . Values are the key. When you understand them correctly, they will pull you toward to your dreams -- which is a lot wetter than having to push yourself!”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“It’s hard to be depressed when you are excited about your future, and that’s what dreams do: They make us believe that tomorrow is going to be better than today.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“A latte a day keeps retirement away”
― David Bach

“what determines your wealth is not how much you make but how much you keep of what you make.”
― David Bach, Smart Women Finish Rich

“It's neither safe nor practical to assume that man in your life can be counted on to take care of your finances.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“In fact, what determines your wealth is not how much you make but how much you keep of what you make.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“... keep your nest egg growing faster than inflation isn't all that hard.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“In fact, studies show that less than 1 percent of Americans write down specific goals for themselves each year. That's a shame, because writing down your goals is powerful.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Whenever someone tells me she is a procrastinator, I respond by asking them, "Did you eat this week?" Of course, the person will always answer yes. The fact is, no one procrastinates all the time. What you may be is a selective procrastinator -- which means that if something is important enough (like eating), you are perfectly capable of taking care of it right away.”
― David Bach , Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Warren Buffett once put it: “The most important thing to do when you find yourself in a hole is to stop digging.”
― David Bach, Smart Women Finish Rich

“Don't ever put your entire financial fate in someone else's hands.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“[Many people] plunge into all sorts of detail about what they want to accomplish, what investment they should buy, and where they want to be, without fist making sure they know where they stand now.”
― David Bach

“Social security was never intended to be a retirement plan. At most, it was designed to provide an income supplement.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“What would you do if you knew you couldn’t fail?”
― David Bach, Smart Women Finish Rich

“A latte spurned is a fortune earned.”
― David Bach, The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich

“The fact is, you deserve every dollar you can get your hands on. There is nothing greedy about it. You deserve a raise, and you're capable of getting one. You just have to believe in yourself and start asking for it.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Albert Einstein once said that the most miraculous phenomenon he knew was the miracle of compound interest.”
― David Bach, Smart Women Finish Rich

“If the way we handle our money conflicts with our personal values, we are not going to wind up living happy and fulfilled lives.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“The problem isn't our income; it's what we do with our money once we get it... how much you earn has almost no bearing on whether or not you can and will build wealth.”
― David Bach, (Start Late, Finish Rich: A No-fail Plan for Achieving Financial Freedom at Any Age) By David Bach (Author) Paperback on

“If your money is not helping you make your life better, then something is wrong. Chances are you're not making a connection between your values and the role obey plays in your life.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“In all, working women currently earn more than $1 trillion a year and account for upwards of 52 percent of all earned household income in this country. There are currently over 9 million female-owned businesses in America, generating more than $3.6 trillion in annual revenues.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Values are the key to living smart and finishing rich. The sooner you and your partner start putting your values first—and stuff second—the sooner the two of you will start living a life that excites and empowers you both.”
― David Bach, Smart Couples Finish Rich, Revised and Updated: 9 Steps to Creating a Rich Future for You and Your Partner

“all the money in the world won’t make you happy if what you do with it conflicts with your values.”
― David Bach, Smart Couples Finish Rich, Revised and Updated: 9 Steps to Creating a Rich Future for You and Your Partner

“There is nothing that will "fix" a bad credit report except the passage of time and a consistent record of responsible bill-paying, and you contacting the credit-report companies and working with them to get your credit record clean.”
― David Bach, Smart Women Finish Rich: 9 Steps to Achieving Financial Security and Funding Your Dreams

“Dreaming big is the key to happiness. Dreaming big is energizing. Dreaming big is fun. Can you remember a time in your life when you used to dream big? When you had things you wanted to accomplish and you weren’t afraid to talk about them? Do you remember what it felt like to not have to be so “responsible”?”
― David Bach, Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner

“Figuring out how to allocate your assets doesn’t need to be difficult. Obviously, as my grandmother liked to remind me, you don’t want to keep all your eggs in one basket. But how do you know what proportion of your nest egg should be invested in equities vs. fixed-income securities? There are all sorts of ways to calculate this. For my part, I prefer the following simple rule of thumb. Take your age and subtract it from 110. The number you get is the percentage of your assets that should go into equities; the remainder should go into bonds or other fixed-income investments.”
― David Bach, Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner

“Your health doesn’t just happen; it’s not something that takes care of itself as you go through life. You can’t leave your health in someone else’s hands, and the same goes for your wealth. They’re both completely in your hands.”
― David Bach, The Latte Factor: Why You Don't Have to Be Rich to Live Rich

“When you pay yourself first, what you’re really doing is putting yourself first.”
― David Bach, The Latte Factor: Why You Don't Have to Be Rich to Live Rich