What if there were a way you could achieve financial freedom and you live your dreams, without taking big risks or making drastic changes? A way that actually worked.

Welcome to The Latte Factor—an inspiring parable that presents three timeliness secrets to financial freedom that will help you discover you are richer than you think.

From legendary personal finance expert David Bach (The Automatic Millionaire) and master storyteller John David Mann (The Go-Giver), The Latte Factor tells the story of Zoey Daniels, a twenty-something professional, living and working in New York City. Zoey likes her job and she’s good at it—but no matter how hard she works, she still struggles to make ends meet under a growing burden of student loans and credit card debt. And she can’t help wondering: Is this all there is to life.