The latte factor gets the arithmetic right and the mechanism wrong
His sum checks out to the dollar. But 85% of people are passive savers who ignore price incentives, and financial education explains 0.1% of the variance in behaviour.
"Miss the 10 Best Days" Is Half of a Calculation
The statistic every advisor quotes is real. So is the mirror image nobody quotes — and when a researcher ran both at once, the result was not the one the slogan implies.
Renting is not throwing money away, but the real argument is stranger
Housing’s celebrated 7% return is almost all rental yield. Real capital gains run about 1% a year — and the variable that decides the answer is whether you actually invest the difference.
























