"Cut the Avocado Toast and Lattes"

"Cut the Avocado Toast and Lattes" misdirects attention from real wealth barriers. Suze Orman's famous advice ignores that a daily latte over 40 years yields about $150,000 invested, but the gap between median household income growth and home prices since 2000 is $1.2 million. This targeting of small expenses pales compared to advice like #3, which ignores structural economic factors. Data from the Federal Reserve shows that the bottom 50% of households lost 20% of their inflation-adjusted net worth from 2000-2018, proving cuts to coffee cannot offset systemic wage stagnation.