Have you heard of the Latte Factor? It's a term coined by David Bach, author of The Automatic Millionaire, a book you should definitely read. Our guest today is Bethany Bayless, the co-host of The Money Millhouse podcast, and she joins us to discuss what the Latte Factor is and how cutting small expenses can add up to some real gains over time. You can find the show notes for this episode at https://maplemoney.com/bethanybayless  Once you've overcome your latte factor, put your money to work in a low maintenance, low fee portfolio, and watch it grow with our sponsor Wealthsimple. MapleMoney listeners get their first $10,000 managed free of charge for one year. For more on Wealthsimple, head over to https://maplemoney.com/wealthsimple