A smoking joke about latte factor

A latte every day, a cheesecake when you are greedy, and a big meal in a western restaurant every week ... Which of these consumption habits coincides with yours? It is precisely this kind of consumption project that doesn't cost much money, but it may become a financial curse that you will never get rich.

This financial management curse comes from a classic story, and there is a nice name "latte factor" in the western financial field. A couple in the story must drink a latte every morning, which seems to be a big expense. After 30 years of calculation, the fund has reached 700,000. In fact, the "latte factor" refers to buying candy, bottled water, cigarettes, magazines, newspapers and so on. In daily life, there are sporadic expenses such as latte that are not very noticeable.

Miss Ling, 30, is such a "latte family" and has been troubled by the "latte factor" all the year round. Although she has a middle income of more than 654.38+10,000 yuan every year, Miss Ling still finds herself in credit card debt occasionally.

Interestingly, Miss Ling does not consider herself a "latte family". "I don't like shopping and I don't like cafes. How can I be a latte family? " In the chat with reporters, Miss Ling denied that she had the habit of spending money indiscriminately, and it was difficult to understand the financial curse of the "latte factor".

But in further discussion, Miss Ling soon found her own problems. For example, in addition to the basic necessities of life, at noon on weekdays, it takes about 20 yuan for lunch every month, and 400 yuan for lunch; For example, the monthly telephone bill is close to that of 400 yuan ... All kinds of non-essential engineering expenses reach 1 10,000 to 20,000 every year, and nearly 500,000 in 30 years.

Most of these projects are things she likes and doesn't want to give up, but they are also caused by bad financial habits. When the cumulative result of this financial amount appeared, Miss Ling found that these "latte factors" would even put her financial life in jeopardy. "It seems that I really want to avoid unnecessary expenses in life such as latte factor. If I'm not careful, I may empty my wallet. "