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Suman Meghwal

Wealthseeker • 5m

Rohan ( xyz surname ) , a 25-year-old in Bangalore, who loves starting his mornings with a cappuccino from his favorite café. It costs him ₹150 per cup. That’s ₹4,500 a month or ₹54,000 a year—on coffee alone. Now let’s say Rohan ( xyz surname ) skips the café and makes coffee at home for ₹20 per cup. He saves ₹4,000 each month. If he invests this money at a 10% annual return, in 20 years, Rohan could have over ₹25 lakh. All from skipping his daily coffee runs! This is the Latte Factor—a concept that shows how small, regular expenses add up over time. The lesson? You don’t have to give up everything, but cutting back on unnecessary habits can create big savings for your future. Start small, invest the difference, and watch your money grow.

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