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Start Late, Finish Rich

Discover why attitude is just as important as accounting when it comes to your money habits.
Start Late, Finish Rich is rated 4.0 out of 5 by 11.
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Rated 1 out of 5 by from Course Outline What good is a course outline with multiple pages for taking notes if you can’t print the darn thing! The only way to print it is to screenshot each page, an extremely time intensive process. Are all the courses set up this way?
Date published: 2024-06-27
Rated 5 out of 5 by from Simple and Vernacular Good course on financial basics. Simple and vernacular in delivery. Keeps you engaged.
Date published: 2024-03-03
Rated 5 out of 5 by from Start Now "Start Late" is an amusing concept. Funny how many people think starting to work on their finances in their thirties is late! Try starting in your sixties! {grin} Probably the most important concepts in this course are "start now", "automatic" (set up saving / investing so you aren't thinking about it or working at it) and "latte" factor (no matter how low your income is, choices you make can improve your future). David is a friendly, fun presenter, easy to listen to. Nothing boring, nothing complex (which means some of the examples are rather simple and don't dive into details). This is a refreshing course as it's not really about getting rich (the title is quite misleading) but rather it's about managing your finances to enjoy your life.
Date published: 2024-02-04
Rated 5 out of 5 by from Informative and Practical! I'm in my early 30s being one of those whom you can consider a late starter. Just six episodes in and I have already learned so much from this course! Highly recommended for those like me who don't know where to start and want to better their finances.
Date published: 2023-06-09
Rated 1 out of 5 by from Start Late, Finish Rich Not worth the sale price. In my estimation, this should not be included in the Great Courses, It does not measure up to the quality of the other courses. In general, it is one big advertisement for Bach's printed book. Also, the Guide Book is lacking in content and does not follow the lectures.
Date published: 2023-05-03
Rated 5 out of 5 by from Practical and Actionable Tools I listened to this course on Wondrium on a whim. I’m in my early fifties and have a decent retirement plan but wish I had heard this seminar twenty years ago. I’m now rewatching with my 88 year old mother so she understands some of the changes that I’ve made over the last couple of weeks. She says it is an A+ course that is immensely practical. First, he is practical and inclusive. His recommendations are ones that everyone can use - not just employees but also self-employed and business owners. His focus is on folks with middle-class incomes, but the advice applies at all incomes. I’m not a dimwit about money but I learned so much about newer tools which can make tracking and decision making easier. His advice also helped me to make up my mind about several forks in my own financial road. It is not a traditional Great Course (I own 130) but is one of the most impactful that I have taken. When it is on sale, I plan to purchase as gifts for multiple friends.
Date published: 2023-02-19
Rated 5 out of 5 by from Good Financial Advice I'm self-employed with a fluctuating income and a family of 5, so I often get bogged down in difficult financial decisions such as, "do I pay off 100% of the balance of my credit card this month or put money in my retirement account and pay off most of it?" Overall, this course has provided me with a lot of insight into ways I can manage my finances more intelligently and easily. I read "I will Teach you to Be Rich" by Ramit Sethi some years ago and he hit on some of the same points but I still gained quite a bit from these lectures. The video format helps to make the material more enjoyable and easier to digest. Bach is an entertaining speaker overall. I would also like to address the very negative review I just read. This isn't a "great courses" course. This is a Creative Live feature that is incorporated because this is Wondrium now and it partners with other types of content providers, such as Kino Lorber documentaries and so forth. If you are living in a society where you must work, earn money, save for retirement, take care of a family, manage inheritance, not get crushed by debt, and keep a credit score (i.e. anywhere outside of some ivory tower) then a financial education is valuable, all hyperbole about "capitalism" aside.
Date published: 2023-02-17
Rated 5 out of 5 by from Nice refresher It is enjoyable to open up your finances and follow along with this course. It was exciting to tweak a few accounts and sometimes sad to remember the mistakes I have made in the past. The quibbles I have with Bach's approach have to do with my own personal preferences. I can work around those and still gain tremendous value. I am completely convinced that my Wondrium subscription has made a huge improvement to my financial future.
Date published: 2023-01-23
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In Start Late, Finish Rich, financial expert and best-selling author David Bach distills and updates all the learnings from his more than 20 years of financial experience into an engaging, entertaining, and enlightening series. These 19 lessons will give you better control of your finances and put you back in the driver’s seat of your dreams. Along the way, you will discover why financial success is just as much about attitude as it is about accounting.


David Bach

My goal is to give you the structure and the techniques that are proven to build wealth over your lifetime. Small amounts of money can change your entire life.



David Bach is one of America’s favorite financial experts and best-selling financial authors of our time. He has taught millions of people how to live and finish rich, through his seminars, live events, courses, and books.

David is the author of nine New York Times bestsellers, with over 7 million books in print in over 19 languages—including The Latte Factor: Why You Don’t Need to Be Rich to Live Rich; Smart Women Finish Rich; Smart Couples Finish Rich; and The Automatic Millionaire. He’s a media favorite, having made thousands of appearances the past 20 years, including on Oprah six times and The Today Show over 100 times.

Cofounder of AE Wealth Management and director of Investor Education, David presents seminars for and delivers keynote addresses to the world’s leading financial service firms, Fortune 500 companies, universities, and national conferences.

By This Expert

Start Late, Finish Rich
Start Late, Finish Rich


Introduction to Workshop

01: Introduction to Workshop

Learn how Grandma Rose Bach inspired her grandson to build wealth over a lifetime in a way that’s timeless, true, and honest—and using an ordinary income.

23 min
Meet the Automatic Millionaire

02: Meet the Automatic Millionaire

How did one family with an average income of $35,000 pay off two homes, three cars, a boat, and put two kids put through college—and retire at 52? David walks you through their entire system.

11 min
The Automatic Millionaire Blueprint (Make It Automatic)

03: The Automatic Millionaire Blueprint (Make It Automatic)

Discover why the secret to becoming an automatic millionaire involves something incredibly magical (and simple): paying yourself first by moving money from a paycheck into a retirement account.

26 min
Find Your Latte Factor

04: Find Your Latte Factor

Don’t know where all your money is going? Learn to discover your “Latte Factor,” as well as key principles for using all those frivolous, unconsidered expenses to start to change your life.

25 min
Couples & Money

05: Couples & Money

Stop fighting with your partner about money and learn to work together as a team for your betterment with couples-based exercises to organize your finances, get honest about money, and more.

10 min
The Best Financial Apps & Tools

06: The Best Financial Apps & Tools

David walks you through some of the best, most effective financial apps and tools on the market, including, Level Money, Acorns, and robo advisors like Wealthfront and Betterment.

26 min
Pay Yourself First!

07: Pay Yourself First!

Budgets don’t stick. Dig deeper into the concept of paying yourself first—and how by making it a habit (and even a financial philosophy), ordinary people can build real wealth.

21 min
The 5 Biggest Retirement Account Mistakes

08: The 5 Biggest Retirement Account Mistakes

Here, David walks you through some of the biggest retirement mistakes that he sees people make. Among them, having too many IRA accounts, trying to time the market, and taking too many risks.

15 min
Retirement Accounts & Investments

09: Retirement Accounts & Investments

How should you invest your retirement money? How do target dated mutual funds work? What’s the right way to make your company’s 401(k) plan work for your goals? How much should you contribute?

8 min
Organize Your Money

10: Organize Your Money

The number-one financial challenge people have is organizing their money. But David’s here with this helpful discussion to show you how to sort through your financial life in less than an hour.

15 min
Crush Your Debt

11: Crush Your Debt

Time to tackle your debt! David busts the myth of “good debt” and “bad debt,” teaches you the art of “Done on Last Payment,” and introduces you to forbearance and DMP plans.

22 min
Learn Your Credit Score

12: Learn Your Credit Score

After giving you the good news and bad news about credit scores, David teaches you how to become your own best advocate when it comes to credit—and techniques you can use to protect yourself.

17 min
Be a Homeowner, Not a Renter

13: Be a Homeowner, Not a Renter

Learn why the smartest investment you’ll make is the home that you buy and live in. Plus, get advice on how to get into the game of home ownership, and ways to bubble-proof real estate investments.

21 min
Create a Financial Protection Plan

14: Create a Financial Protection Plan

Walk through everything you need to protect your finances and your family’s finances. What should go into a will? Is a trust better because it’s a tax benefit? Do you really need life insurance?

10 min
Build a Dream Account

15: Build a Dream Account

Make your dreams a little more possible with an account for non-retirement plans like a vacation or second home (or quitting your job)—and make those dream investments match your time horizons.

5 min
Grow Your Income

16: Grow Your Income

What is the concept of the “money machine”? What does it mean to “finish rich”? How can you turbocharge your income, so that small amounts of money can change your entire life? Find out here.

31 min
The 6 Biggest Mistakes Investors Make

17: The 6 Biggest Mistakes Investors Make

David shows you how to prevent money loss by explaining the biggest mistakes investors make. Learn to avoid the pitfalls of limited partnerships, hedge funds, real estate partnerships, and more.

11 min
Smart Women Finish Rich

18: Smart Women Finish Rich

Female investors consistently outperform their male counterparts. In fact, women today are the entrepreneurs of America. Why is that? Take a closer look at the relationship between women and money.

22 min
Your Purpose-Focused Financial Plan

19: Your Purpose-Focused Financial Plan

Ultimately, financial plans are less about numbers and money and more about what’s important to you—your “why.” Get tips for creating a financial plan based on your soul and your heart.

18 min