Ever wondered where those small $5 bills go? It's often the 'Latte Factor'—the small, daily expenses we don't even think about.
A $5 coffee every workday is $100 a month. Over 30 years at 7% return, that's over $120,000. It's not about the coffee; it's about the conscious choice.
Why it matters:
- Compound Impact: Small amounts invested early grow exponentially over time.
- Awareness: Tracking small wins builds the saving muscle and changes your relationship with money.
- Choice: You aren't sacrificing; you are actively choosing a richer future version of yourself.
By logging these small "skipped" expenses, you turn invisible costs into visible progress.