A cappuccino and a good book bring me great joy. Hands down one of my all-time favorite books! The Latte Factor book. The concept is simple. Read 518 reviews from the world's largest community for readers. The Latte Factor provides financial advice via a story about Zoa for which most of us can relate. Small amounts of money spent on a regular basis cost us far more than we can imagine. Instead of spending that $10 a day on different small item purchases, if you were to put that into an investment that yielded a 6% return on your investment, over the course of 20 years, you will have accrued $142,323.45. The Latte Factor is not a book about stopping buying coffee but rather about focusing attention and money on what is important to you. The Latte Factor Review. Most of us are used to think that saving small amounts doesn’t make any difference. The Latte Factor is symbolic of those small, regular wastages, and for that I think the Latte Factor is a sound wealth tool, whether or not it’s the lattes that are given the chop! posted on February 29, 2020. The top article mischaracterizes the latte factor. Thankfully, the book i The Latte Factor was popularized by author David Bach. The advice given by Bach is that people should automatically save (via payroll deduction) say, $100 a month. This book pushes us to cultivate awareness towards how we use money, to be able to spend it for what really matters to us. Book Review: The Latte Factor: Why You Don’t Have To Be Rich To Live Rich September 24, 2019 October 25, 2019 by Advantage One , posted in book review , Budgeting If personal finance books make your eyes glaze over, but you can never say no to a page-turning novel, this book was written for you. The Latte Factor is not a book about stopping buying coffee but rather about focusing attention and money on what is important to you. But The Latte Factor shows us that it really does in the long term, especially if you invest them wisely. David Bach is the author, and this is a book more so about realizing your dreams than a book about finance. I think this book is a great gift to give young people starting out who wouldn't want to read a heavy book about investing in … The Latte Factor may be his simplest and most powerful message yet.” —Simon Sinek, optimist, New York Times bestselling author of Start with Why and Leaders Eat Last “David Bach has inspired millions worldwide to be smarter with their money; now this great story can inspire you to take action to live your best life. Academia.edu is a platform for academics to share research papers. Calculating Your Latte Factor To see how big of a saving it is, just go ahead and plug in the numbers into David Bach’s calculator. 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