100萬美元的回報
Do you enjoy a nice cup of coffee before going to work every morning?
你是不是習慣每天上班前都要先來杯咖啡呢？
Some financial gurus say such a small luxury can end up being very costly in the long run, whereas others believe otherwise.
有些理財達人說這些微型支出長久下來會累積成可觀的財務漏洞，但也有人持反對意見。
in the long run長遠來看、終究otherwise(conj.)否則(adv.)=differently
Either way, it might be helpful to hear what they have to say before we make our own decisions.
不論你站在哪一方，不妨在做出理財決策之前聽聽雙方的說法吧。
We often hear stories about how people escaped from poverty by saving every penny they could.
我們都聽過人們靠著存下每一分錢最後翻身致富的故事，
poverty(n.)貧困、貧窮
Trite as it is, the moral of such stories has quite a few adherents among financial experts.
雖然聽起來很老套，卻有不少理財專家推崇這套做法，
trite(adj.)陳腐、老套=clichédmoral(adj.)道德的、品行端正的claim the moral high ground自稱道德高尚morals(n.)道德moral(n.)（故事的）寓意adherent(adj.)黏著的(n.)追隨者
One example is David Bach, a finance executive and author of the best-selling book Smart Women Finish Rich.
其中一位就是前企業財務主管、暢銷書「聰明女人致富七招」的作者巴赫，
executive(n.)行政主管
He distinguishes between “wants” and “needs” and introduces the “latte factor.”
他將消費劃分成「想要」和「需要」，另外也提出「拿鐵因子」的概念。
distinguish between A and B分辨差異=mark the difference between A and Bdistinguish sth. from sth.區分…和…introduce(v.)引進、引入
He suggests that rather than spend money on a takeout coffee or other habitual, unnecessary purchase, people should invest it for a return.
他認為與其將錢花在外帶咖啡，或是其它習慣性而不必要的消費上，人們應該要把這些錢拿來投資。
rather than與其...（倒不如...）habitual(adj.)習慣性的habitual criminal慣犯purchase(v.)(n.)一筆消費、購買物
Suppose you spend $100 monthly on coffee.
假設每個月花費100美元喝咖啡，
suppose(v.)假設
If you deposited that sum into a Roth IRA each month for 40 years, you would reap a staggering one million dollars with a 12% rate of return.
如果每個月投入這筆金額到個人退休賬戶持續40年，投資報酬率為12％，最終報酬就有可能達到驚人的100萬美元。
deposit(v.)(n.)存放金錢、訂金withdraw(v.)提款reap(v.)收獲reap what you have sown善有善報，惡有惡報
Even with a much lower rate of return, say 7%, the savings from your forgone coffee would yield around $250,000, said Suze Orman, a financial expert and author of Women and Money.
理財專家暨「女人與財富」作者歐曼指出，就算投資報酬率算低一點，只有7％，不買咖啡改拿去投資的這筆錢也會產生將近25萬美元的收益。
forgo(v.)放棄、屏棄（好的事物）yield(v.)產出、讓出produce, generate產出yields(n.)產量
On the other hand, millionaire Ramit Sethi finds Bach’s and Orman’s advice impractical.
但另一方面，富翁塞提則認為巴赫和歐曼的建議不太實際。
impractical(adj.)不實際的=unrealisticpractical(adj.)實際的practicality(n.)實用性
He argues that there is a limit to how much money we can save.
他認為每個人能存下的錢是有限的，
It makes more sense to focus on how to earn more money, he said.
專注在如何賺取更多的錢才是更為合理的做法。
Whether you side with Bach and Orman or Sethi, the bottom line is we should set our financial priorities and track our spending.
不論你贊同巴赫還是賽提的意見，理財的重點在於設定財務目標並追蹤支出。
side with支持某方、站在哪一邊the bottom line損益結算線、最重要的事priority(n.)優先事項A takes priority over B A優先於B
If we can ensure we have covered important expenses such as rent and loans, we can still enjoy our coffee guilt-free.
如果可以確保有辦法負擔重要的支出，像是房租或貸款，就不用對喝咖啡產生這麼大的愧疚感。
guilty(adj.)內疚的、有罪的guilty pleasure帶有罪惡感的愉悅sense of gulit 罪惡感