Wow! I picked Automatic Millionaire up in frustration over my finances. My frustration quickly disappeared to give way to excitement. What a great read a real eye-opener! I did your latte factor test and found that I was spending $5-$10 a week just on the cheap movie rentals each week at the Drug Mart. I have a habit of going there after work to get something for unwinding and relaxation in the evening. The Latte worksheet is very clear and amazing in the reality of compounding interest in the few entertainment dollars. Just eliminating this habit will increase my cash allocation for more practical and long-term purposes.
I realized that little spending habits like these does not help with debts. I am 28 years old and have credit and loan debt. I am setting up automatic deposits for savings to pay myself and making extra payments on my debts in advance such as the examples in your book suggest. This feels amazing and liberating to be sure. Thank you so much for your awesome book to empower anyone in every situation.