You don’t have to be rich to live rich. In fact, you can build wealth on as little as five dollars a day and retire a millionaire, provided you’re strategic and savvy about your finances. Even better: It’s never too late to start.

There’s hope for those of us out there who would love to transform ourselves into millionaires, even if we don’t feel like we have the potential. Whether you’re living paycheck to paycheck or have a comfortable income and simply want to live your dream life, there are ways to acquire wealth that don’t require you to walk into a bank or brokerage firm. You don’t even need a lot of time—or even a budget. All you need are a set of core strategies, tips, and insights that can help you achieve financial independence and become richer than you thought you could ever be.

New York Times best-selling author David Bach knows this better than anyone. His celebrated books, The Automatic Millionaire and The Latte Factor: Why You Don’t Need to Be Rich to Live Rich, have changed people’s lives. Now, in Start Late, Finish Rich, David distills and updates all the learnings from his more than 20 years of financial experience into an engaging, entertaining, and enlightening series that can put you in better control of your finances and back in the driver’s seat of your dreams.