I thought I was already pretty frugal because I thought I was watching what I spent. But after looking at my Latte Factor I was shocked to learn how much it added up to. I do drink Latte’s but I thought, it’s only three a week, but it was costing me $546 a year on top of the $156 I was spending on regular coffee. I also figured I was eating out $2,600 a year and that is a conservative estimate. I spend on average $2,000 a year on books (now the library doesn’t seem like such a bad idea. I also spend approximately $1,100 a year on tapes. I know they are educational, that is how I found David, but there are some I order that I don’t like, but I don’t take the time to send them back. I also bowl on a league. Bowling and the snack bar cost me over $540 a year. I can sub for free. This is a total of over $7,000 a year. I had no idea. I am 36 years old. I will be well on my way to retirement since I can invest this money for the next 24 years. Thank you David.