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Good article, Jeremy and your point is valid. What I have found (as a financial planner and cash flow management specialist) is that people must make a significant shift in their spending habits. If they cut out the coffee, they will spend that money someplace else unless they change their thinking at a very basic level. Users have had success with the framework we created with our Cash Flow Hydrant online cash management tool. In the short run, they work away at the little things (because it allows some immediate success) but then make changes in their obligations (home & auto, especially) which are nothing more than very large lifestyle choices - not quality of life choices. You might want to check it out at http://CashFlowHydrant.com or just search for Cash Flow Hydrant.
2 years ago on What is Really Making You Poor?