The "Latte Factor" is the most successful gaslighting campaign in financial history. It has convinced a generation that they are broke because of a bean, when in reality, they are drowning in a system of fixed-cost cages.
In 2026, a $100,000 salary is effectively the new $50,000. You aren’t "failing" at budgeting; you are dealing with a "linear paycheck" fighting against "exponential costs".