The Latte Factor® is based on the simple idea that all you need to do to finish rich is to look at the small things you spend your money on every day and see whether you could redirect that spending to yourself. Putting aside as little as a few dollars a day for your future rather than spending it on little purchases such as lattes, bottled water, fast food, cigarettes, magazines and so on, can really make a difference between accumulating wealth and living paycheck to paycheck.

We don’t even realize how much we’re actually spending on these little purchases. If we did think about it and change our habits just a little, we could actually change our destiny.

So get started today! Identify what your Latte Factor® actually is by tracking your spending for a full day then calculating just how much you could save in a few years. The Latte Factor® Calculator below makes it easy. This simple exercise can be life-changing. It adds up, so don’t delay…