Accounting International Marketable Securities Standard

For those who have never glanced at a Wall Street Journal, here is a guide to some popular and easy-to-understand financial experts.

“Latte Factor” Inventor: David Bach

Bypass that mocha latte at your local Starbucks every day and stash the amount you would spend in a savings account or a long-term IRA, and you will be unfathomably richer in future years as your savings compound. This so-called “latte factor,” according to financial author David Bach, translates all of your unnecessary purchases—specialty coffees, cigarettes, fast food meals—into concrete savings for your future.

Sample advice: Define your core values in life before you make financial plans. Focus on what really makes you happy in life and match your financial goals to those values, rather than working hard to buy more stuff.

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