latte factor

The Latte Factor

The Latte Factor: Getting Rich by Cutting Out Coffee (Not!)

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The Latte Factor & The 3 “Secrets” of Financial Independence

The FI community curses the latte factor as a reason for not being rich. Also, many discuss the latte factor without the underlying concepts mentioned. Thus, the latte factor is an example of a daily expense that grows exponentially when invested.

Through a third-person narrative, Bach mentions 3 “secrets” to financial independence. These secrets are paying yourself first, making it automatic, and living a rich life now.

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