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Save the Latte for a Rainy Day 拿铁因子：少杯咖啡，多份财富

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For caffeine lovers, the day has not truly begun until they have had their first cup of coffee. Every morning, you will notice them ___1___ at a coffee shop near you. But as you watch them take out their wallets and ___2___ their hard-earned cash, you may want to consider something: by indulging in a daily latte, they could actually be flushing a million dollar estate down the drain.

对于咖啡因的爱好者而言，总要喝到一天的第一杯咖啡后，这天才算真正的开始。每天早上你都会注意到他们在附近的咖啡店排队。但当你看着他们掏皮包并奉上辛苦赚来的钱时，你或许要思考一件事：奢侈地每日享受一杯咖啡时，其实可能使得一百万元的财产化为乌有。

The “Latte Factor” is a concept that was created by personal finance consultant and author David Bach. Bach is out to prove that you don’t need to earn an ___3___ wage to build wealth. He suggests that anyone can become rich by putting aside money that they would typically spend on small ___4___ like coffee, candy bars, bottled water, and magazines. ___5___ it may seem like an inconsequential amount of money, compound interest can transform these tiny indulgences into small fortunes.

「拿铁因子」是由一位个人理财顾问和作家戴维．巴哈所创造出来的观念。巴哈站出来证明，你不须赚特别高的工资才能创造财富。他表示只要存下通常会花在咖啡、糖果棒、瓶装水以及杂志等小物品上的钱，任何人都能致富。虽然这笔钱的数目似乎微不足道，但复利却可以让这些小小的挥霍转变成不小的财富。

As an example, Bach shows what can happen when a person deposits five dollars every day into their bank account ___6___ spending it on a latte. At a 10 % return, the average stock market return, that would amount to over one million dollars over a period of 50 years. ___7___ taking a closer look at where our money is going, we can invest more – and drink all of the lattes we could ever dream of when we retire!

巴哈举例说明当一个人每天将5美元存进银行而非花在拿铁上时，会得到怎样的结果。以10%的复利来算，也就是平均股票市场的获利，在50年后这些钱就会累积到100万美元以上。藉由仔细地观察我们的钱到底花到哪里去，我们可以投资得更多，而且退休时，就有喝不完的拿铁！

−by Jamie Blackler

Vocabulary

单词发音

caffeine [ˋkæfiɪn] n. 咖啡因

hard-earned [ˋhɑrdˋɝnd] adj. 辛苦得到的

indulge [ɪnˋdʌldʒ] v. 沉迷于；满足

flush [flʌʃ] v. 被冲洗

drain [dren] n. 排水管

down the drain 前功尽弃；付诸东流

concept [ˋkɑnsɛpt] n. 概念，观念

consultant [kənˋsʌltənt] n. 顾问

wage [wedʒ] n.〔按小时﹑日﹑周所计的〕工资﹐薪金

put aside something 放到一边; 储存 to save something for later use, esp. money

inconsequential [ɪn͵kɑnsəˋkwɛnʃəl] adj. 不重要的; 微不足道的

deposit [dɪˋpɑzɪt] v. 把（钱）储存

amount [əˋmaʊnt] v. 合计，共计[(+to)]

retire [rɪˋtaɪr] v. 退休；退役

More Information

单词发音

estate [ɪsˋtet] n. 地产；财产

latte factor 拿铁因素（指人们每天浪费的零散花费，这些钱财聚集起来可能让他们成为百万富翁）

compound interest 复利

indulgence [ɪnˋdʌldʒəns] n. 沉溺；放纵

return [rɪˋtɝn] n. 收益，利润

David Bach on how to get rich

David Bach says it's never too late to save for retirement

Answer