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

“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

“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

“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

“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

“... 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

“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 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

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

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

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

“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

“[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

“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

“women are less likely to have a steady income stream over the course of their lifetimes. In some cases, that’s due to discrimination, but it’s also due to the fact that responsibilities such as child rearing and caring for elderly parents cause women to move in and out of the workforce a lot more than men do. In all, over their working lifetimes, women spend a total of 11½ years off the job on average, versus only 16 months for men.”
― 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

“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

“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

“Money is great to have, but 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

“Most of us don’t really think about how we spend our money—or if we do, we focus solely on the big items. At the same time, we ignore the small but steady expenses that drain away our cash. We don’t think about what it cost us to earn our money, and we don’t realize how much wealth we could have if, instead of wasting it, we invested it.”
― David Bach, Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner

“Change is a funny thing. Although most people say they want to change—so they can have a better life, with more love, more dreams, and more fun—the fact is that many of us are afraid of change. Faced with the real prospect of it, we look at our lives and decide that being where we are right now isn’t so bad, after all. Better the devil you know than the one you don’t, we tell ourselves. Tony Robbins, the great motivational speaker and coach, calls this attitude a kind of “no man’s land” of the soul. It’s a place where your life isn’t really that great, but it really isn’t that bad, either. It’s just so-so.”
― David Bach, Smart Couples Finish Rich: 9 Steps to Creating a Rich Future for You and Your Partner

“AARP goes on to say that 75 percent of Americans between the ages of 55 and 64 have less than $30,000 in savings. Seriously, reread that statement.”
― David Bach, Smart Couples Finish Rich, Revised and Updated: 9 Steps to Creating a Rich Future for You and Your Partner