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The Latte Factor in India — How Small Expenses Steal Your Wealth

 💥 "₹200 ki coffee koi badi baat nahi lagti… jab tak aap realize na karein ki yeh aapke lakhs ka profit kha rahi hai."



Aaj hum baat karenge Latte Factor ke baare me — ek simple concept jo batata hai ki chhoti-chhoti daily kharche aapko ameer banne se rok rahe hain.



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1. What is the Latte Factor? ☕


Term coined by author David Bach — matlab, aise small daily expenses jo individually harmless lagte hain, but long-term me huge loss karte hain.



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2. Indian Examples 🇮🇳


₹200 coffee from Starbucks (5 days/week = ₹4,000/month)


₹50 daily snacks = ₹1,500/month


₹499 OTT subscription you barely use


₹100/day cigarettes = ₹3,000/month




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3. The Real Cost — Compounding 📈


Agar aap ₹4,000/month ko mutual funds me invest karein @12% return, 20 saal me:

₹4,000 x 12 months x 20 years → ₹29+ lakh 🚀



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4. How to Identify Your Latte Factor 🔍


1 month ka expense tracker banao


Mark karo: “Need” vs “Want”


Wants me se 20–30% cut karo




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5. Redirect to Investments 💡


Jo paisa bacha usse SIP, index fund, ya side hustle me lagao.



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💡 Boss Tip:

Financial freedom ek badi salary se nahi, smart spending se aati hai. Latte factor ka control lena is the easiest first step.



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