I tried the Latte Factor with a lot of skepticism since I consider myself fairly frugal. I was actually ashamed of myself at the end of the day when I realized that I had pilfered away almost $25 on JUNK. I thought about my family at home and what I could have been doing with that “extra” money. Incredible how quickly a convenience store can suck up that retirement money! I have since learned (and am still learning) to pack a lunch, make my own coffee and ease off of the snacks during the day. I haven’t shut my funds off completely, but I am now saving about $19-$22 of that money per day. My beach front is calling.