I am currently 24 years old, and lucky enough to have an avid investor for a father. He never called it the latte factor, but he had always told me the same thing. I own a house (and yes, my payments are bi-weekly), I’m driving a 99 convertible corvette (owing roughly 12k on), and I have in the neighborhood of 55k in the bank. A large part of this is due to help from my parents, (they started “gifting” me money at 15 in an IRA,) which I laughed off, but I have continued the yearly contributions. I have also identified my personal “latte factor”, and it totals roughly $450 per month. I am having that much deducted from my pay, and the numbers are growing astonishingly fast. It has sparked such an interest with me that I am currently studying for my series 7 test here in NYS, to become a financial advisor. After all, I’ve realized that I don’t need to be a doctor to be rich, I simply need to continue the good habits I’ve been fortunate enough to learn early, and I should be on my way to a comfortable future. This book (The Automatic Millionaire) is very well written. I have already recommended it to two friends, and I’m sure the list will grow!! Thanks again for all the help.