David Bach is author of the bestselling "Finish Rich®" series of financial advice books, recordings and other tools. His testimonial-filled and heavily trademarked site, discusses what he's termed and trademarked "The Latte Factor®" under the "free resources" page. Basically this is the idea that you can "finish rich®" by focusing on the small unneeded expenditures many of us make throughout the day. If everyone took this advice, stopped buying what they did not absolutely need, what an interesting economy we would have. Certainly, a smaller one.Starbucks would disappear overnight. Is that going to happen?
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