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The "Latte Factor" is a real thing. Not necessarily by itself, but it is indicative of a larger systemic problem.
by megaman22 9y ago
The "Latte Factor" is a real thing. Not necessarily by itself, but it is indicative of a larger systemic problem.
- scarface74 9y agoThe systemic problem is not your discretionary spending much of the time. You can easily adjust that up or down as the need arises. It's the lifestyle inflation - buying a bigger house, nicer car, etc. Those aren't easy to ratchet down quickly.