This is Bach's most famous concept. It demonstrates how small, daily discretionary purchases can destroy long-term wealth.
Forces you to dig deep until you uncover your core values (e.g., freedom, security, family). Smart Women Finish Rich
Ensures your financial plan is emotionally anchored to what actually brings you fulfillment. 2. The "Latte Factor"® This is Bach's most famous concept
To simplify asset allocation, Bach suggests organizing your money into three automated baskets: Smart Women Finish Rich