David, Putting your \”latte factor\” theory to the test, I have managed to save thousands of dollars by getting my coffee free at work and also commuting to work by bus for the past (7) years. I contribute 15% (maximum allowed)to my 401k and set up automatic transfer of $200 every two weeks from checking to savings. Then, as soon as I reach $5,00.00 in savings, I put $1,000.00 into 12 month CD, using ladder method so I have varying maturity dates. I have saved $68,000.00 which is parked in laddered CDs. I use one credit card and pay it off every month. I have no car payment and have lowered my car insurance by driving less than 5,000 miles per year. I own a condominium with a mortgage payment of $360, so I am able to make several extra payments each year. All of this accomplished on a yearly salary of $40,000.00!
Please consider me for Latte Factor Mug.

Suzi
Mission Viejo, CA