Quotes from David Bach

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?

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.

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!

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.

what determines your wealth is not how much you make but how much you keep of what you make.

In fact, what determines your wealth is not how much you make but how much you keep of what you make.

It's neither safe nor practical to assume that man in your life can be counted on to take care of your finances.

Warren Buffett once put it: "The most important thing to do when you find yourself in a hole is to stop digging.

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.

A latte a day keeps retirement away

Albert Einstein once said that the most miraculous phenomenon he knew was the miracle of compound interest.

What would you do if you knew you couldn't fail?

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.

Don't ever put your entire financial fate in someone else's hands.

Social security was never intended to be a retirement plan. At most, it was designed to provide an income supplement.

keep your nest egg growing faster than inflation isn't all that hard.

A latte spurned is a fortune earned.

If the way we handle our money conflicts with our personal values, we are not going to wind up living happy and fulfilled lives.

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.

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.

The fact is, none of us really has a choice: We are all playing the money game whether we want to or not. The only question is: Are we winning?

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.

When it comes to money, just having heard of something isn't enough; you've got to know what it means.

It's not what you know about money—it's what you don't know that can wipe you out.