The Latte Factor

The Latte Factor is a concept that highlights how small, regular spending habits—like daily coffee purchases—can add up significantly over time. By choosing to cut back on these minor expenses, individuals can redirect the money toward savings or investments, potentially building wealth faster. It emphasizes awareness of seemingly insignificant daily costs and their long-term impact, encouraging mindful financial decisions without sacrificing all leisure spending. Essentially, it's about recognizing how small savings can compound into substantial financial gains over the years.