The latte factor says your coffee habit is standing between you and wealth. Here’s why the income side of the equation has far more leverage than frugality advice ever leads with.
The Maths™: weekly toast (×52) = $1,326/yr. 20% deposit on $680k = $136,000. Years of skipping required: 102.6. Born 1995 → deposit ready: 2098. We do the arithmetic, map actual structural causes vs discourse blame allocation, build the deposit gap calculator across four markets, and explain why the toast article is more popular than the zoning law article.
