The Latte Factor in numbers

The Latte Factor shows us how small daily expenses you don't notice do matter in the long run.

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The Latte Factor shows us how small daily expenses you don't notice do matter in the long run.

What is the Latte Factor?

It is the title of a book by David Bach that shows how the little daily expenses you don’t notice do matter in the long run. He does it through a very simple example: the cost of buying a coffee every day.

Here’s what you could get if you stopped drinking your regular coffee:

Beyond the latte

Your regular coffee is just one of what are known as ‘ant expenses’. This refers to the small sums of money that we spend on unnecessary things. As they are such tiny sums, we don’t usually pay attention to them, but they have a detrimental effect on our economy and reduce our ability to save.

This is what you would save in a year if you cut back on them:

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