All I want is to always have just enough money to buy a latte every day.
I Don’t Feel Bad About My Latte
Allie Scully

While I know that lattes were the conceit of the piece… are you not concerned that you might not have the money for them (or other expenses) anymore? Aka: safeguarding of the future lattes!

I can’t get behind the philosophy, but that didn’t stop me from enjoying your writing! I was slightly confused about the $200/month allocated to savings, though.