[dublidu]

If someone already took out student loans, car loans, credit card debt, etc, then cutting out the latte (or cable or nail salon or whatever) is something that’s totally in their control and allows them to stop the compound interest on their debt. Of course they should try to find a better paying job, of course it sucks that it’s hard to get a better job, but latte is something you can do TODAY and doesn’t require a lot of effort.