How Many Meals Should A 4 Month Old Puppy Have The Latte’ Factor – Never Too Late to Learn to Save (Even With Pocket Change)

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The Latte’ Factor – Never Too Late to Learn to Save (Even With Pocket Change)

In my adulthood, when I was finally able to afford, at least some of the things I wanted and/or needed, I became a big fan of frivolous spending. I had to have that new issue of Esquire, that personal trainer at the gym (not just the gym), an office in a better location, a trendier dog or cat, living in a nicer neighborhood , and, of course, later, “My Morning Starbuck”. I “arrived”. “The American Dream”… or so it seemed, for a while.

I’m not proud of being a male version of Madonna’s “Material Girl,” but I was young, in my thirties and early forties, and naive enough to believe that peer pressure at least ended after high school, and certainly after college. . It is not so. It got worse. If my friend bought a better house, I sure better call my realtor immediately. They got a Lexus, time for a Mercedes. It all seemed like fun and games and, in fact that’s all it was. A proverbial game of “show”.

After the 1994 Northridge earthquake came. In twenty minutes, everything I had acquired as a material consumer was gone. And insurance didn’t come close to covering my collections, antique furniture, family/video albums, memories from kindergarten, etc. I was left with my car, a few boxes of clothes, and a year old gold. Retriever puppy named Otis who saved my life (barking wildly before the earthquake), I thought to go out to do his business, but warned me at 5 am to get out of the wrong way.

Fifteen years have passed and I have learned something I never had before, and I never thought I could learn. It is called “humility”. Please don’t confuse humility with holiness, far from it. Rebuilding one’s life in middle age itches, after “having it all” teaches some lessons, and, I’m sure I’m not.

unique to this situation. When I say “have it all”; I do not mean the Forbes 400. I mean whatever I wanted, I could generally afford it.

At least I had my health. For a while. But then that went too for a number of years. This was a motivating factor in returning to college as an adult, and he avidly when I’m not in college, visit the library often.

One of the most interesting books I have ever read was not in the genre of books I usually consume. The book is titled “Start Late, Finish Rich” by David Bach. In it, he talks a lot about something called “The Latte’ Factor”. Strange name I know, but it describes how the American consumer is taught from birth to consume everything he can in this material world, life is short, get it while you can, carpe diem, etc.

Then he calmly suggests ways to combat this. Do we really need this magazine subscription, do we have to have a latte and bagel every morning at Starbucks. Should we even buy his own book if it is available in the library. Do we have to have a car that was made to “show” when a Honda, Saturn, etc. that was made before owning the Ahab. I have a beautiful eight year old Saturn 4-door now and it rides better than my old fancy German car ever did. Better fuel and reliability too.

When you add it all, just the little ones that are not necessary, that we do not need, or, in the case of the Starbuck could make coffee at home with flavored cream for pennies and a bagel for a quarter, nix the magazines, etc. . We’re talking saving anywhere from $800-2000 or more a month. If that’s put into an IRA, even if you’re in your fifties now, you’ll be rich when you’re of retirement age.

Gifts don’t have to be expensive. She recommends memorable personalized gifts that people see every day and enjoy and think of you when they see or use them.

It is recommended to ditch the credit cards and pay as you go, cash, check and/or debit card. I started doing this, and noticed a big difference in my extra cash at the end of the month. I never use budget. I do this now.

There is much more to the book, but the bottom line is that the Latte Factor no longer needs to be a part of our lives. Yes, at first it seems strange and a little boring, but it is a self-behavior modification in which, once done, we never go back. And we are happier and more prosperous in the long run for it.

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