style="overflow: hidden; color: #000000; background-color: #ffffff; text-align: left; text-decoration: none; border: medium none;">Could cutting out the morning coffee change your life? This was the message many took from David Bach’s Smart Women Finish Rich, a 1999 manifesto for incremental saving and investment that suggested eschewing a $5 daily bill at Starbucks and putting the proceeds to work in the stock market. If such acts of self-denial started early and the shares grew by 11 per cent annually, Bach wrote, the saver could reasonably hope to have amassed more than $2m by the time she reached 65.