David,
I started reading your book Start Late Finish Rich book 2 weeks ago. I reached the Latte Factor section and read through it and said “oh this is not for me” so I disregarded it for a few days. However, that week each penny I spent on breakfast, lunch and snacks outside I kept the receipts because I was noticing my checking account was always overdrawn. This week I did my latte factor to discover I spend an average of $23.98 on food a day. OMG I could not believe it that is $469.00 a month that I could be saving. I calculated that in 20 years I could save $115,104. It is not that I can not make food at home- I already have the groceries at home just never put in the time to bag my lunch. After using the calculator I have been bringing my breakfast and lunch to work and have encouraged my partner too. We are going to put the money in a bank account and begin an account for our 8 month old son dedicating $25 a week. Thank you!!!