https://www.nytimes.com/2010/04/24/your-money/24shortcuts.html 1. What type of financial planning do you currently do? In my experience, most people have no real idea where their money goes - does this apply to you? 2. Another common thing that I hear from students is "I keep everything in my head - budget, spending, goals". Does this apply to you? 3. What is your opinion about the "latte factor"? 4. What two concepts from the chapter are the most applicable to your life? 5. Where do you find balance between focusing on the little factors versus the big factors