One of the most discussed concepts in personal finance is the “Latte Factor,” an belief first popularized by the personal finance writer and speaker David Bach. The belief, in a nutshell, or is that you can achieve a great deal of personal finance success by finding small things to chop in your life,and he used the example of a daily latte that one might purchase at a coffee shop, hence the name “Latte Factor.”
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Source: gawker.com