I just finished your book, “The Automatic Millionaire”. I was dismissing the “Latte Factor” because I was certain of my spending habits and I knew I did not waste two or three dollars on coffee, tea or snacks. But I thought, “what the heck”. I might as well track every penny for a couple of days. What a surprise I received when I realized my “Latte Factor” is not little things! I had spent $40 in two days on books!! (Granted, buying books is how I ended up with you.) But, I was shocked at my “double-double latte factor”. I was buying books two to four times a month at the cost of $25-$40 each! Some were read right away or were for my daughter, but most sit on a shelf for a year while I catch up on ones I had purchased the previous months. I guess as far as spending addictions go, it’s a fairly healthy one, but I am so glad I followed your advice and tracked my spending. I was always so proud of my frugality, but that pride has been a little false.

So, I just wanted to say thank you for your true insight into everyday spending habits and for helping to reveal my “Latte factor”. I found the rest of the book very informative and inspiring. I believe I am on my way to securing a brighter future.