This is by far one of my favourite interviews on the podcast…ever! For this episode, I chat with John David Mann, and award-winning author whose books have sold more than 3 million copies, including titles such as The Go-Giver with Bob Burg and the New York Times bestseller The Red Circlewith Brandon Webb. For his latest book The Latte Factor, which he co-authored with best-selling author and OG personal finance expert David Bach, they discuss the term that Bach coined several years ago in his popular book The Automatic Millionaire. You see, even though pretty much everyone has heard of “the latte factor,” most people don’t really know what it means. Surprisingly, it doesn’t mean you should ditch your morning coffee to save money. It’s actually bigger than that. It’s less about coffee and more about how we all need to spend our money more in line with our values, and how little bits of money over-time can have a major impact on our financial futures. What I loved most about this book is that it’s a very short read (you can read it in a day), and it’s not a typical how-to book and written in a narrative style. Similar to how David Chilton’s structured The Wealthy Barber, this book has central characters we follow along so we can learn the same lesson they’re learning and can identify with their struggles too. I 100% could relate to the central character, a 20-something city-living millennial who feels like no matter how much they earn, they still never have enough. Who hasn’t felt like that at some point in their life? But, she learns that it’s not necessarily how much you earn that’s the problem. It’s what you do with what you earn now that is most important. And yes I know, earning more can sometimes be a solution, but from working with so many clients now, I can tell you that cash flow usually isn’t the problem. The problem is not understanding what they are spending their money on. The problem is not having clear financial goals to work towards. The problem is not having the financial literacy necessary to make solid and confident financial decisions moving forward. The book isn’t out quite yet (it comes out May 7), but you can pre-order now and you enter to win a free copy by visit the show notes. For full show notes, visit https://jessicamoorhouse.com/190