"Skip the latte and you'll be rich" is silly advice.
$5/day = $1,825/year.One 5% raise on a $75K salary = $3,750/year.Same effort. Double the result. You keep the coffee.Wealth is not built by cutting $5. It is built by moving big levers:- Negotiate salary once- House below your means- Capture the full 401k match- Automate 15% to yourself before you spend a dollar- Pay yourself first. Then live on what's left.The latte was never the problem. Spending every raise while arguing about coffee was.Fix the big levers. Enjoy the latte.
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