Dear Mr. Bach,

I’m currently reading The Automatic Millionaire and just completed the Latte Factor worksheet and thought it would be fun to share my results. First let me just say that I’m enjoying your book very much, thank you. My husband and I just had our first baby and I’ve decided to be a stay-at-home Mom,and I love it. This obviously has made our budget very tight with only one income. So, I’ve decided to get smart with our budget and investing.

In completing the Latte Factor worksheet I’ve learned that both my husband and myself have become very aware of our finances and don’t have everyday expenses like coffee or food. I pack my husband’s lunches and I eat at home. Our one big expense that we need to cut back is eating out together. My husband and I enjoy fine dining or just take out together and have been known to spend $150-200 in a week. That’s not an every week event but on my huband’s days off we love to not cook and take a day off ourselves. We are on a goal to lessen that spending and save that money instead. Don’t get me wrong, we are still going to have our dates out on the town, but we are just going to lessen the take out and lunches together out.

I’m still in the process of reading, but so far I’m loving your book. Thank you so much for sharing your experiences.

Sincerely,