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 frivolous spending such as buying candy, bottled water, cigarettes, magazines, newspapers, and yes, lattes. Author and financial advisor David Bach coined the term to reference the inordinate amount of money people waste on a daily basis, that when saved can literally 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 savings 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”。