"Hiệu ứng Latte: Tách cà phê mỗi ngày có thể ngốn cả gia tài của bạn"


 Nhiều người thường bỏ ra 30.000 – 60.000đ mỗi ngày để uống cà phê, nghe thì chẳng đáng bao nhiêu. Nhưng nếu tính trong 1 năm:

  • 50.000đ/ngày x 365 ngày = 18.250.000đ.

  • Nếu bạn đem số tiền này gửi tiết kiệm hoặc đầu tư sinh lời 8%/năm trong 10 năm, con số có thể lên đến hơn 260 triệu đồng.

Đây chính là cái gọi là "Latte Effect" (hiệu ứng Latte) – những chi tiêu nhỏ hằng ngày tưởng như vô hại, nhưng tích lũy lâu dài lại ảnh hưởng cực lớn đến tài chính cá nhân.

👉 Điều quan trọng không phải là "cắt bỏ hết niềm vui", mà là cân bằng: nếu bạn thật sự thích uống cà phê, hãy giữ lại, nhưng cần biết ưu tiên và kiểm soát những chi tiêu khác.

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