Bean counting and the 'latte factor' - Yahoo! News: "If you've read it once, you've read it a dozen times: Cut out those daily lattes if you want to save enough for retirement.

The so-called 'latte factor' is so widely used in this context that it's now in dictionaries, defined as 'seemingly insignificant daily purchases that add up to a significant amount of money over time.'"


I love my latte, and mocha.... no more sniff