After taking the Latte Challenge, I was shocked to discover that I ate out everyday and spent an average $10.92 per day. It works out to $39,858 for 10 years. I was shocked and figured it was HIGH time I bagged it most of the time. As a reformed shopper, I thought I knew better. I contribute 12% to my 401K and I save $904 per month but I still have a lot to learn. Thanks David!