***TOMATIC MILLIONAIRE, THE(I***N=9780767923828) 英文原版 mobi 下载 网盘 caj lrf pdf txt 阿里云

　　What’s the secret to becoming a millionaire?

For years people have asked David Bach, the national bestselling

author of Smart Women Finish Rich, Smart Couples Finish Rich, and

The Finish Rich Workbook, what’s the real secret to getting rich?

What’s the one thing I need to do?

Now, in The Automatic Millionaire, David Bach is sharing that

secret.

The Automatic Millionaire starts with the powerful story of an

average American

couple--he’s a low-level manager, she’s a beautician--whose joint

income never exceeds $55,000 a year, yet who somehow manage to own

two homes debt-free, put two kids through college, and retire at 55

with more than $1 million in savings. Through their story you’ll

learn the surprising fact that you cannot get rich with a budget!

You have to have a plan to pay yourself first that is totally

automatic, a plan that will automatically secure your future and

pay for your present.

What makes The Automatic Millionaire unique:

You don’t need a budget

You don’t need willpower

You don’t need to make a lot of money

You don’t need to be that interested in money

You can set up the plan in an hour

David Bach gives you a totally realistic system, based on

timeless principles, with everything you need to know, including

phone numbers and websites, so you can put the secret to becoming

an Automatic Millionaire in place from the comfort of your own

home.

This one little book has the power to secure your financial

future. Do it once--the rest is automatic!

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　　David Bach is the author of the national bestsellers Smart

Women Finish Rich, Smart Couples Finish Rich, and The

Finish Rich Workbook, and the host of his own PBS special,

“Smart Women Finish Rich.” Bach’s Finish Rich Seminars are now the

leading financial seminars in North America, having been taught in

over 1,700 cities by thousands of financial advisors. He is a Money

Coach on America Online (AOL Keyword: David Bach) and the host of

his own nationally syndicated radio show Live Rich with David

Bach. To read excerpts of any of David Bach’s books please

visit his website at www.finishrich.com.

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　　CHAPTER ONE

　　MEETING THE ***TOMATIC MILLIONAIRE

　　I'll never f***et when I met my first Automatic Millionaire. I

was in my mid-twenties and was teaching an investment class at a

local ***-education program. Jim McIntyre, a middle-aged middle

manager for a local utility company, was one of my students. He and

I hadn't spoken much until one day when he came up after class to

ask if he could make an appointment with me to review his and his

wife's financial situation.

　　The request surprised me. Though I felt strongly (and still do)

that just about everyone can benefit from the advice of a qualified

financial planner, Jim didn't strike me as the type who would seek

it out.

　　I told him I'd be happy to set up a meeting, but if he wanted my

help, his wife would have to come too, as my group managed money

only for couples who worked on their finances together.

　　Jim smiled. "No problem," he said. "Sue's the reason I'm here.

She took your Smart Women Finish Rich seminar and told me I should

sign up for your course. I've liked what you've had to say, and we

both figure it's time to do some financial planning. You see, I'm

planning to retire next month."

　　Now I was really surprised. I didn't say anything, but as I

looked Jim up and down, I doubted he could be in a position to

retire. From the few comments he had made in class, I knew he was

in his early fifties and had worked for the same company for thirty

years, never earning much more than $40,000 a year, and didn't

believe in budgets. I also knew that he c***idered himself to be

"ultrac***ervative," so I figured he couldn't have made a fortune

in the stock market.

　　My Grandma Rose Bach had taught me never to judge a book by its

cover. But something didn't add up. Maybe Jim had just inherited a

lot of money. For his sake, I hoped so.

　　"WHAT AM I MISSING HERE?"

　　When the McIntyres came into my office a few days later, they

looked exactly like what they were: hardworking, "average Joe"

Americans. What has stuck in my mind about Jim is that he was

wearing a short-sleeved dress shirt with a plastic pocket protector

in his breast pocket. His wife, Sue, had a little more flair, with

some seriously blond highlights. She was a beautician, a couple of

years younger than Jim.

　　The thing was, they didn't act like middle-aged people. They were

holding hands like two high school kids on a first date, bubbling

with excitement. Before I could ask how I could help them, Jim

started talking about his plans and what he would do with his free

time. As he did, Sue kept exclaiming, "Isn't it great he can retire

so young! Most people can't retire until they reach sixty-five if

then, and here's Jim able to do it at fifty-two!"

　　"LET'S NOT GET AHEAD OF OURSELVES."

　　After ten minutes of this, I had to interrupt. "Guys, your

enthusiasm is contagious, but let's not get ahead of ourselves

here. I've met with li***lly hundreds of potential retirees over

the last few years, and I have to tell you--hardly any of them have

been able to retire in their early fifties." I looked Jim in the

eye. "Usually people come to my office to find out if they can

retire," I said. "You already seem to be sure you can. What makes

you so certain you can afford to?"

　　Jim and Sue exchanged a look. Then Jim turned back to me. "You

don't think we're rich enough," he said, "do you?" The way Jim put

it, it wasn't exactly a question.

　　"Well, that's not the way I would have phrased it," I replied,

"but yes, it takes a fair amount of money to fund an early

retirement, and most people your age aren't even close to having

saved enough. Knowing what I do about your background, I'm

truthfully curious about how you could possibly have enough money."

I looked him in the eye. He gazed back at me serenely.

　　"Jim, you're only fifty-two." I said. "C***idering that only

about one in ten people can barely afford to retire at age

sixty-five with a lifestyle equal to what they had when they

worked, you have to admit that retiring at your age with your

income would be a pretty big feat."

　　Jim nodded. "Fair enough," he said and handed me a sheaf of

documents. They included his and Sue's tax returns as well as

financial statements that listed exactly what they owned and

owed.

　　I looked first at their tax returns. The previous year, Jim and

Sue had earned a total of $53,946. Not bad. Not rich, to be sure,

but a decent income.

　　Okay, next. How much did they owe?

　　I scanned their financial statements. I couldn't find any

outstanding debts listed. "Hmm," I said, raising an eyebrow. "You

have no debt?"

　　"THE MCINTYRES DON'T DO DEBT."

　　They exchanged another smile, and Sue squeezed Jim's hand. "The

McIntyres don't do debt," she said with a chuckle.

　　"What about your kids?" I asked.

　　"What about them?" Jim answered. "They're both out of college, on

their own, and God bless 'em."

　　"Well, all right then," I said, "let's see what you own." I

turned back to the financial statement. There were two homes

listed: the house where they lived (valued at $450,000) and a

rental property (a second house valued at $325,000).

　　"Wow," I said. "Two houses and no mortgage on either?"

　　"Nope," Jim replied. "No mortgage."

　　Next came the retirement accounts. Jim's 401(k) balance currently

amounted to $610,000. And there was more. Sue had two retirement

accounts of her own that totaled $72,000. In addition, they owned

$160,000 in municipal bonds and had $62,500 in cash in a bank

savings account.

　　Talk about a substantial asset base. Add in some personal

property (including a boat and three cars--all fully paid for) and

they had a net worth approaching $2 million!

　　By any standard, the McIntyres were rich. It wasn't simply that

they owned a lot of assets free and clear (though that in itself

was pretty impressive); they also had a continuing stream of income

in the form of interest and dividends from their investments and

$26,000 a year in rent generated by their second house. On top of

that, Jim had qualified for a small pension, and Sue liked being a

beautician so much that she planned to keep working until she was

sixty (even though she didn't need to). Suddenly, Jim's plan to

retire at fifty-two didn't seem so crazy. In fact, it was

completely realistic. More than realistic--it was exciting!

　　"WE INHERITED KNOWLEDGE."

　　Normally, I don't get wide-eyed about people's wealth. But there

was something about the McIntyres that impressed me. They didn't

look rich. And they didn't seem terribly special. To the contrary,

they seemed perfectly ordinary--your average, nice, hardworking

couple. How could they have possibly amassed such wealth at such a

relatively young age?

　　To put it mildly, I was confused. But I was also hooked. I was in

my mid-twenties at the time, and even though I was *** good

money, I was still basically living paycheck to paycheck. Some

months I did manage to save a little, but more often than not I'd

get busy or spend too much the next month and not save a dime. Many

months it seemed that instead of getting ahead, I was falling

behind, working harder and harder to make ends meet.

　　It was embarrassing, really, and frustrating. Here I was, a

financial advisor teaching others how to invest, and I was often

struggling myself. Even worse, here were the McIntyres, who

probably in their best year barely made half of what I was ***,

and yet they were millionaires, while I was falling further and

further into debt.

　　Clearly, they knew something about taking action with their money

that I needed to learn. And I was determined to find out what it

was. How could such regular people have amassed such wealth? Eager

to know their secret but not knowing where to begin, I finally

asked them, "Did you inherit any of this?"

　　Jim broke out in a deep belly laugh. "Inherit?" he repeated,

shaking his head. "The only thing we inherited was knowledge. Our

parents taught us a few comm***ense rules about handling money. We

just did what they said, and sure enough it worked. The same is

true for a lot of people we know. In fact, in our neighborhood,

about half our friends are going to retire this year, and many of

them are even better off then we are."

　　At this point, I was hooked. The McIntyres had come to interview

me about how I could help them, but now I wanted to interview

them.

　　LOOKING RICH VS. BEING RICH

　　"You know," I said, "every week I meet people who take my classes

like you did but who are exactly the opposite of you. I mean, they

look rich, but when you get into the details of what they really

have, it often turns out that they are not only not rich but broke.

Just this morning, I met with a man who drove up in a brand-new

Porsche, wearing a gold Rolex watch. He looked loaded, but when I

went through his statements I found he was actually leveraged to

the hilt. A guy in his mid-fifties, living in a million-dollar home

with an $800,000 mortgage. Less than $100,000 in savings, more than

$75,000 in credit card debt, and he was leasing the Porsche! Plus

he was paying alimony to two ex-wives."

　　At this point, the three of us couldn't help ourselves. We all

began to laugh. "I know it's not funny," I said, "but here was this

guy, looking rich and successful, and actually he's a financial and

emotional wreck. He handled his finances just like he drove his

Porsche: redlining all the way. Then you guys come in. You drive up

in a Ford Taurus. Jim here is wearing a ten-year-old Timex--"

　　"Nope," Jim interrupted with a smile. "It's an eighteen-year-old

Timex."

　　"Exactly!...

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$10 a day at 5% = $1 million in 54 years

$10 a day at 10% = $1 million in 34 years

$10 a day at 15% = $1 million in 25 years

$20 a day at 10% = $1 million in 27 years

$20 a day at 15% = $1 million in 21 years

Now, don’t worry about how to find these interest rates. That will come later. For now, just look at how quickly small savings can add up.

Why would you wake up in the morning, leave your family, not do what you want to do with your day, go to work all day long for 8, 9, 10 hours a day, commute back home, get up and do it all over again? Why would you do this 5 days a week, 4 weeks out of the month, 12 months out of the year? Why would you do all that to earn money and not pay yourself first?

The first hour of every day that you work should be going to you.

– David Bach

HOW MUCH SHOULD YOU PUT ASIDE IN THIS EMERGENCY BASKET?

Ideally, you’ll have six months of expenses set aside separate from your checking account in case of emergency. At a minimum, you should have at least 2% of your income going directly into your emergency basket of cash.

The National Association of Realtors states that since 1968 when they first started keeping national records of real estate, real estate investments as a w*** have had an annualized return of 6.3%.

THE SECRET OF DEBT FREE HOMEOWNERSHIP? BI-WEEKLY PAYMENTS

What does bi-weekly mean? Here is a very *** example. Say you spend $2,000 a month right now on your mortgage. If you took your mortgage, instead of paying for it once a month like everybody does, you spent $1,000 on your mortgage every two weeks you know what would happen? You’d take a 30-year mortgage and you’d pay it off, depending on the interest rate, in less than 22 years!

编辑推荐

　　Despite its sensational title, David Bach's The Automatic

Millionaire: A Powerful One-Step Plan to Live and Finish Rich is

not a get-rich-quick guide. Rather, the book is a straightforward

march through common-sense personal financial planning that

suggests readers "automate" their contributi*** to retirement and

investment vehicles. Bach, in fact, calls his model the "tortoise

approach" to becoming wealthy by retirement age.

　　In the early part of the book Bach builds on ideas he established

in Smart Women Finish Rich and other bestselling titles. His core

principle is that, to succeed, you must "Pay Yourself First." In

othe***ords, he suggests using pre-tax retirement accounts (e.g.

401(k)s or IRAs) to set aside a fixed, monthly sum of money before

c***idering what is left for living expenses. The "automatic" part

of the title comes from Bach's emphasis on using automated payroll

deducti*** to avoid the temptation of using the money to pay

today's bills.

　　Bach insists that "regardless of the size of your paycheck, you

probably already make enough money to become rich." But his claims

that his plan requires "no budget, no discipline," is a bit

disingenuous. His discussion of the "The Latte Factor" shows that,

to find money to start a retirement plan, a person with a modest

income needs to make an up-front commitment to stop accruing debt

and to reduce spending on such "wasteful" items as lattes and

cigarettes.

　　In the end The Automatic Millionaire does not offer much that is

new for readers already familia***ith personal finance basics like

***d mortgage payments, "the miracle of compound interest,"

and the setting up of emergency funds. But, for those just starting

with financial planning, Bach provides a host of resources to put

recommendati*** into action. He walks his readers through such

fundamentals as shopping for interest rates, creating a balanced

retirement portfolio, and c***olidating debt. And Bach's

conversational style will make this quick read highly palatable for

those daunted by more detailed investment and personal finance

titles. --Patrick O'Kelley

书籍介绍

What’s the secret to becoming a millionaire?

For years people have asked David Bach, the national bestselling author of Smart Women Finish Rich , Smart Couples Finish Rich, and The Finish Rich Workbook , what’s the real secret to getting rich? What’s the one thing I need to do?

Now, in The Automatic Millionaire , David Bach is sharing that secret.

The Automatic Millionaire starts with the powerful story of an average American

couple--he’s a low-level manager, she’s a beautician--whose joint income never exceeds $55,000 a year, yet who somehow manage to own two homes debt-free, put two kids through college, and retire at 55 with more than $1 million in savings. Through their story you’ll learn the surprising fact that you cannot get rich with a budget! You have to have a plan to pay yourself first that is totally automatic, a plan that will automatically secure your future and pay for your present.

What makes The Automatic Millionaire unique:

You don’t need a budget

You don’t need willpower

You don’t need to make a lot of money

You don’t need to be that interested in money

You can set up the plan in an hour

David Bach gives you a totally realistic system, based on timeless principles, with everything you need to know, including phone numbers and websites, so you can put the secret to becoming an Automatic Millionaire in place from the comfort of your own home.

This one little book has the power to secure your financial future. Do it once--the rest is automatic!