Resumo de The Automatic Millionaire

The Big Idea
What if someone told you that for ten dollars a day you can be a millionaire-- roughly the cost of a pack of cigarettes or the price of a Latte and a muffin? In addition to that, you neither need will power nor budget-- all you need is at least an hour to put everything in motion. To good to be true? The McIntyres, an ?average? American couple, did it. David Bach outlines the philosophies on becoming The Automatic Millionaire:
? You don?t have to make a lot of money to be rich.
? You don?t need discipline.
? You don?t need to be ?your own boss?
? By using The Latte Factor, you can build a fortune on a few dollars a day.
? The rich get rich because they pay themselves first.
? Homeowners get rich; renters get poor.
? Above all, you need an ?automatic system? so you cant quit.

Chapter One: Meeting the Automatic Millionaire
The idea on becoming an Automatic Millionaire all started when the author met the McIntyres? an ?average? American couple that sought advise regarding their financial situation. Apparently, the husband was planning to retire at an early age of 52 despite his being a middle-aged middle manager of a local utility company and his wife being a beautician.
Realistically, most average American couples expect to retire by the age of sixty-five. Moreover, according to the American Savings Education, nearly half of all American workers have less than $25,000 in savings while almost 60 million Americans have no savings at all.
The fact that Mr. McIntyres plans to retire at 52 is fascinating enough. What is more fascinating is that the McIntyres were debt free; owned two houses without mortgages; earn additional $26,000 a year for the lease of the second house; the husband had a 401(k) retirement account amounting to $610,000; the wife had 2 small pension funds amounting to $72,000; owned some municipal bonds and had a substantial amount of cash in a bank savings account; and, some of their personal assets, which included a boat and three cars, all fully paid for. To sum it all up, the couple had a net worth of roughly two million dollars of which none was inherited
Remember that there is a big difference between looking rich and being rich. The McIntyres is a typical and average American family-- they did not own a fancy car nor a million dollar home?yet by any standards, they were rich.
The McIntyres share their story
Like any average American family, the McIntyres started with a paycheck-to-paycheck existence with their monthly salary. Until finally, they realized that they could either continue with this kind of life or learn to make their money work for them.
The couple then decided to do the following:
? To pay themselves first
? Watched there Latte Factor
? Made everything automatic
In doing so they where able to achieve what most people are still hoping for, becoming automatic millionaires.

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