The «latte factor» essentially highlights the amount of money you can save by cutting out a daily latte and investing that money... or saving that money for future expenses. (thecollegeinvestor.com)
It is a disciplined way of saving money for future financial needs. (policybazaar.com)
You can use the funds from the refinance to do some home improvements, pay off higher interest debt or simply save the money for future use. (allwestern.com)