New Delhi, Oct. 20 -- Many people believe their income is too low to build wealth. The Latte Factor: Why You Don't Have to Be Rich to Live Rich, by David Bach and John David Mann, challenges this belief. Both Bach and Mann are bestselling authors.

Its story follows Zoey, a young New York magazine employee facing debt and high rent. She wants a photograph but believes she cannot afford it. Henry, an elderly barista, helps her understand money by teaching her about financial freedom.

Zoey discovers that she may already earn enough to improve her future. The problem can lie in spending habits rather than income alone.

Even a better salary may not solve money troubles without changes. Check where your money goes each month before assuming ...