Giving up Lattes and Avocado toast is classic penny wise, pound foolish logic. If $5 / day is going to break the bank you have bigger problems. If $5 / day isn'

Giving up Lattes and Avocado toast is classic penny wise, pound foolish logic. If $5 / day is going to break the bank you have bigger problems. If $5 / day isn't going to break the bank, you almost certainly have larger expenses that could be trimmed to much larger effect. Financial insecurity is often a lifestyle problem, but it more often revolves around excessive debt than a few frivolous habits.