I’ve actually been using the Latte Factor THEORY for more than a year now. The theory itself is incredible…and I hope to soon utilize it. I basically kept track of almost EVERY cent I spent for an entire YEAR…then added it all up. Just some examples…$647.98 in groceries for the year 2003. It should be noted I’m single, so everything is SOLELY bought for one person. $116.72 for film processing, $55.17 for film, $19.94 for camera batteries, $11.38 for photo albums. You get the picture. I’m constantly keeping tabs of everything I buy. And I was wildly amused at your mention in the book on highway tolls. I ALWAYS try to get around them by taking an alternate, but equally quick, route. People NEED to think more about what they spend money on EVERY day of their lives! Don’t even GET me started on the joys of double and even TRIPLE coupon week at the supermarket! VERY interesting book…bravo!