A couple has the habit of drinking a latte every morning. One day, a financial consultant told them, if they drank two less lattes each day, they could save 7 million yuan in thirty years! They were shocked. "The problem with money is usually not that we earn too little, but that we spend too much!" David Bach, a famous American financial adviser, pointed out incisively. He believed that just like this couple's daily morning latte, most people waste a lot of money on "trivial things", and the accumulation of these trivial things adds up to an astonishing large amount.