[tomsun]

I think the point of the Latte factor, isn't that you shouldn't buy expensive coffee drink. The bigger problem is mindless spending racks up the expense column without adding much value.

Once you get into the habit of getting a coffee from an artisan coffee shop everyday, the value of that great cup of coffee diminishes, and you start to spend money out of habit, not because it adds any more joy, pleasure, or value to you. This is the same as eating out everyday for lunch.

And if mindless consumption seeps into every other aspect of your life, then that's going to cost you dearly.