Start Late, Finish Rich
By David Bach
Broadway Books, 2005. 348 pgs. Nonfiction
This book is very optimistic that no matter what age you start, it is possible to retire with a substantial nest egg, it just requires that you be willing to make some changes in your life. He recommends that you find your "latte factor" or things that you spend money on everyday, that you can decide to save. The book also encourages putting more money into a 401K or IRA, finding ways to get a raise, getting out of debt and earning more money on the side.
David Bach is very encouraging but a lot of his advice does not seem as applicable now that the economy has changed. I did like that at the end of each chapter there is a box that summarizes what was taught and then a checklist of things you should do. The problem is deciding to make the changes.