每天一份报纸，上班路上买杯咖啡，哪天嘴馋了再买块蛋糕… 看似每一项都用不了多少钱，可是你想过吗，这些钱如果累积起来可不是一笔小数目呢。美国一位金融顾问把这些花费叫做latte factor（拿铁因素），我们来看看他是怎么说的。

The latte factor is unconscious day-to-day frivolous¹ spending such as buying candy, bottled water, cigarettes, magazines, newspapers, and yes, lattes. Author and financial advisor² David Bach coined the term to reference the inordinate³ amount of money people waste on a daily basis, that when saved can literally⁴ make you a millionaire.

“拿铁因素”指日常生活中像买糖果、瓶装水、香烟、杂志、报纸，还有拿铁等不太引人注意的一些零散花费。这个词是由作家兼金融顾问大卫•巴赫首先提出的，指人们每天浪费的、那些聚积起来可以让他们成为百万富翁的钱财。

The latte factor came out of observing a majority of Americans who live paycheck to paycheck, who are wasting their opportunity to become self made millionaires. Trimming a dollar here and there translates into big savings⁵ at the end of the year, that’s the latte factor.

“拿铁因素”这个说法来源于对大多数美国人“月光”状况的认识，他们丧失了让自己成为百万富翁的好机会。这里花去一美元，那里用掉一美元，这些钱攒下来的话到年底就是一大笔。这就是“拿铁因素”。