I have been saving money too – about 2&1/2 years ago I signed up for my 403b at work. I contribute 15% of every paycheck and my work puts in 3%. I have $24,000 saved so far and I get $100.00 taken out of each check for a savings bond. I thought it was going to be hard but I honestly haven’t missed the money and I know if I had the money I would have spent it. I am going to think this weekend to see if I have any more latte factors. My husband does and boy are we going to have a talk! This has been an inspiration and I would love a “latte factor” mug!!! THANK YOU!!!!!