How to Tear Down the Barriers
to Your Natural State of Confidence and Achieve All of Your Goals

"A technique that works like magic."

Jack Canfield, Co-Author, New York Times Best-Selling Chicken Soup for the Soul Series

Almost no one would argue with the fact that self-confidence is key to success in almost any endeavor. People who've accomplished great feats in any field—business, sports or any other area of life—owe their accomplishments to the feeling of confidence they bring with them into all they do.

When you have unshakeable confidence, you'll accomplish all of your goals. Your entire life will change for the better.

You'll have everything you want in life because you'll do what it takes to achieve your dreams. You'll be unstoppable when your confidence rises to new levels.

"Your method has boosted my confidence (and our business success) beyond what I thought was possible."

Mark Watson, Cofounder - Wealth Inside Out Trainings

Although I was confident at certain tasks and I knew how to act confident, deep down I rarely felt it. Your method has boosted my confidence (and our business success) beyond what I thought was possible. I have eliminated my anxiety about speaking in public, selling our programs, and creating the success I have always dreamed of.

Mark Watson, Cofounder - Wealth Inside Out

How Do I Gain Unshakeable Confidence?

To attain rock-solid confidence you only need to do one thing: eliminate the barriers to natural self-confidence.

Let me explain…

When you were very young, you took action over and over again even if you failed. When you were learning to walk, you fell many times but you also kept getting up to try again… and you eventually succeeded at walking.

When you were learning to speak, often no one could understand what you were saying. But that didn't keep you from trying anyway. Eventually you learned which sounds got you what you wanted and which sounds received no response.

You learned to speak and to walk because you had not yet learned two other things.

You had not yet learned a single limiting belief. You had not learned to say, "I can't." Not yet.

And you had not been conditioned to fear failure, criticism or rejection.

These things were not yet a part of your vocabulary. You wouldn't learn them for many years. But when you did learn them, they seemed to be a part of your very being…

…and it didn't seem like you could do anything about them.

That is, until now…

For the past 24 years I've been working on a solution for people like you. A way for people to change their limiting beliefs and get rid of the painful conditioning that has held them back for so many years.

A way for you to finally become the success you were born to be.

This system is called Natural Confidence and it will give you a genuine state of confidence that will allow you to do and have everything you want in life.

Here's A Success Story… Yours is Next

May I tell you about Frumi Barr? When I met Frumi a few years ago at a workshop I put on, she told me she was always afraid to introduce herself in groups--even if there were only eight people in the room. She said,

"When I sit there waiting for my turn my insides churn. I don’t know what to say, I can’t think straight because I know I'm supposed to say something, I know I've got to be clever and I just can't do it."

Frumi wanted to be a successful executive coach, work with groups, give her own workshops and write a book, but her lack of confidence was in the way. I told Frumi that what she wanted to achieve was possible and explained that all she had to do was get rid of her limiting beliefs – which was much easier than she thought. She was doubtful that anything would work.

Eventually I was able to convince Frumi to try the methods found in my program to eliminate her poor confidence. Frumi did try them and in less than a week I got the following note back from her:

"I gave a three-hour class at Cal State Long Beach and felt no fear at all."

Frumi Confidently Speaking in Public Frumi Confidently Speaking in Public

Why? Because the beliefs that were stealing her Natural Confidence had been obliterated.

Some time after this Frumi started giving group workshops regularly. She did complete her book called "Confessions of a Resilient Entrepreneur" which you can find on Amazon.com. It's now several years later and she regularly speaks in public and on the radio because she is brimming over with confidence.

So the program works – even if you're skeptical (like Frumi was!).

How did Frumi do it? She used the methods found in my program and unlocked her natural state of confidence.

I personally guided Frumi using my methods so she could reach her goals on her own.

This was before my friend Denis Hann opened my eyes to a new way to deliver my life-changing techniques to more people, using interactive audio and video technology… to deliver the same method that helped Frumi and 13,000 other people whose lives my colleagues and I have transformed over the years.

This new system has been put into an interactive, web video program in which I guide you through my methods step by step.

You hear my voice and sometimes my wife’s along with images that make the process very real to you… and effective.

I call it Natural Confidence because it frees you to have genuine feelings of confidence.

When I began testing this program with a few hundred people over a year ago, I had no idea that its results would be as profound as working with me one-on-one.

Here's some of the feedback I got:

"I just completed this. I'm undertaking some new projects, things I've never done before. I'm excited…"

"What you've offered here is SO incredibly LIBERATING!!! I feel INVINCIBLE now, and look forward to seeing how my life will continually expand as a result of this new feeling of empowerment!! THANK YOU!!! THANK YOU!!!"

"I just want to say that this method surprised me in its power. It is INCREDIBLE. You have my eternal gratitude for that. I already feel and am acting like a new person. I continue to use your process every day on every unsettling event or emotion, find the underlying belief and remove it in just a few minutes. I've tried NLP techniques and various other techniques but nothing comes close to this. Love it, love it, LOVE IT."

How Does Natural Confidence Make Me More Confident?

Remember when I said that to attain rock-solid confidence all anyone has to do is get rid of their limiting beliefs and negative conditioning?

That's how Natural Confidence helps you to become more confident. It cuts the chains of the past so you can live more fully in the present.

For example, many people have formed beliefs like "I'm not good enough."

This belief can be formed from all sorts of setbacks and failures.

Once the belief is formed it holds people back from taking on opportunities they know are right for them (or from even recognizing opportunities that are staring them in the face).

When beliefs like this are gone, your behavior changes. You stand a little straighter, you walk a little taller, you regain that spring in your step and you take action—powerful actions—to achieve your goals.

Natural Confidence helps you identify the 19 specific beliefs we've found limit people in almost every area of their lives. Beliefs that rob you of the confidence you were born with and keep your life from being all it could be.

Here's a partial listing of the beliefs Natural Confidence will help you bust for good:

  • I’m not good enough
  • I'm not important
  • I'm not worthwhile
  • Nothing I do is good enough
  • Change is difficult and takes a long time
  • What makes me good enough or important is having people think well of me

Imagine what your life would be like if you could seek out and destroy forever each and every common belief that holds you back.

You'd be unstoppable.

"My sales are up 29% but more importantly my net profit is up 200%."

I no longer struggle with the desire to take control of my life and the feeling that I can't. As I began to change my beliefs, I began to act and feel differently. Of course a real change in a person’s life is measured by more than our feelings. I recently ran a P&L on my business for the last 12 weeks and compared it to the same time period for last year. My sales are up 29% but more importantly my net profit is up 200%. By eliminating the belief systems, I have been able to make choices in my life that are getting me the results that I want.

Cliff Bracket

The Four Steps To Producing Lasting Change

Step 1 - Identify your limiting beliefs

So first you find your limiting beliefs. Those beliefs that are preventing you from making a change and keeping it. You've got to dig. Find out what is really holding you back. Find the exact words of each belief. And make sure each belief causes the problem you've identified and that it is not a statement of fact.

In Natural Confidence, we've already identified the 19 beliefs that limit just about everyone. These beliefs keep you from being fully confident and self-assured. They cause fear, especially fear of failure. They hold you back from being your best self.

"Your course really gave me the thought 'What the hell if other people can do it I definitely can do it.'"

Nic Eatch

I've spent 13 years with my recent employer. And with the employer before that I've spent 8 years. And I've always wanted to run my own business. And since doing the course I'm now the director of my own company or rather co-director. We run a financial services company. It's something that I've always wanted to do. But I sort of never had the confidence to.

I've always sort of clung on to the protection that a big corporation gives you. Your course really gave me the thought "What the hell if other people can do it I definitely can do it." Why could I not do it. Of course I can do it.

It's hard for business because of the economy however, as the weeks go by it is building and building and building. And it is going well.

I used to be slave to the big corporation.

But now I walk the dog in the morning and I have more time with the family and I feel like I've got my own business that I'm building that I'm really super proud of. You know major major changes in mylife.

Go into it and do it. Give it a go. Some of the best money I've ever spent. And I would say to them. Just, just go into it with an open mind.

When I start looking at some of the limiting beliefs that I held for so many years. Just within one or two days I've been able to eradicate forever and I feel like they really have been eradicated.

How liberating is that! To get rid of limiting beliefs which you formed years ago to some events that you saw in your life. And it's been fantastic. I do smile and chuckle to myself some of the things I used to hang onto and now I've managed to get rid of.

Nic Eatch
Notinham, UK

Of course knowing your beliefs is like being diagnosed with an illness. Maybe it's a relief to know more about the problem, but that's not enough. You want the cure. So in the next step ...

Step 2 - Eliminate your limiting beliefs

Natural Confidence guides you through the six steps to eliminating each of the 19 beliefs that limit your confidence and success. After each belief is eliminated it will no longer feel true. It will be gone and the effect it had on you will also be gone. When all 19 are eliminated, you'll notice major changes in your life.

  1. Get in touch with a limting belief
  2. Find the events that led to the belief
  3. Find alternative interpretations
  4. Realize you didn't see the belief.
  5. Realize the events have no inherent interpretation
  6. Check and double-check that the belief is gone

"No anxiety before or during the dj session and I truly enjoyed it for the first time in ages."

Daniel Belqvist

I'm one of those who have been wanting to change my emotions and habits and so on for about 5 years (since I quit drinking alcohol on my own with no program, yes sober alcoholic now) and have tried everything I could find especially in the self-help and spiritual departments. Things I've tried are EFT, Theta Healing, Reiki, Chinese Energetic Medicine and so on.

I found out about your program and bought it. I went through the whole thing and eliminated all the beliefs and conditionings in one day :-) Haha, it was quite intense.

The day after(if I remember correctly) I called some doctors-information-line without hesitating and I've felt terror about calling people I don't know for very long and my girlfriend usually makes all those calls for me so she was stunned and shocked and so was I and I did it without even thinking about it. I think that was the first real change I noticed.

Me and my girlfriend are deejays here in stockholm so I've had to work in nightclub environments a lot but I've had constant anxiety about it and some days I haven't even been able to go to work and two days ago was THE BIG TEST for me if your method had worked and it was totally amazing. No anxiety before or during the dj session and I truly enjoyed it for the first time in ages. Back when I was still drinking alcohol I used to be very drunk during the sessions as a crutch and this was the first time in 5 years I enjoyed it.

I've even cured my fear of wasps on my own with your method.

I realize I probably sound a bit manic but I just had to get all this out and let you know how grateful I am and somehow I'd like to be involved in spreading the message of your method in the future.

In deep gratitude,

Daniel Bellqvist,
Stockholm, Sweden

Step 3 - Feel deeply that you are the creator of your life

One thing that's very unique to our system is that you get to know deeply that you are the creator of your life. Sure other approaches will tell you to think that you are powerful. Or just say it. But if just saying it were enough, no one would have any more problems. Instead, we help you to actually create it, to truly feel it. No matter where you are in your life, if you eliminate a belief, you can get into a state in which you feel powerful, calm and satisfied. It feels like there are no limitations. You do NOT have to wait until the day you are more successful. You don't have to hope that one day you can feel this way. You can have it now.

Step 4 - Celebrate Changes

As you get rid of beliefs, you'll notice progress in your life. You feel lighter. You feel stronger. You feel more solid. Like you can depend on yourself more. You think of the future and it seems brighter. When a situation that used to bother you happens ... you respond differently. When you set a goal, you pursue it with more vigor, with more energy and vitality. When you take a calculated risk, it's easier to say "yes" and jump in when that makes sense. Or to stand back and think through your options if that makes sense. Beliefs give you freedom from being held back or freedom from being too impulsive. You are at choice not at the effect of what happens in life.

"I have enough confidence in what I’m doing that I no longer fear rejection."

Lauren Lagergren

"Since I eliminated the beliefs and conditionings using the Natural Confidence program, I am no longer paying so much attention to what others think especially when it comes to doing something I've always wanted to do. I am not afraid of doing something new as the fear of doing something new is gone. I am not constantly thinking "people don't really want to hear what you're saying" when I talk about something. I can sit back and listen to other people speak without feeling the anxiety of coming up with something to say. And I do things without comparing myself to how other people do them. My main issues were fear, anxiety, and frustration and these just do not have the stranglehold on me like they did before the Natural Confidence program.

When the beliefs and conditionings were eliminated, I felt like I was, in effect, starting over yet with an adult's outlook. My days are more joyful without everything being tinged with the filter of those beliefs. To quote Martin Luther King, 'I am free. At last I am free.'"

Lauren Lagergren
South Bend, WA

Click here to see how your life will transform

How You Can Be Sure Natural Confidence Will Work For You (Scientific Proof)

I've often wondered, and maybe you have too, what percentage of people will be helped by any personal growth program.

So when scientists at the University of Arizona said they wanted to study my methods to see if they "really worked" I jumped at the chance.

They decided to study how well my approach would help people with a common problem—fear of public speaking—which is often a problem of low confidence.

They brought together 36 members of Toastmasters who had a very intense fear of public speaking. They divided them into groups A and group B.

Group A spoke in public weekly at Toastmasters meetings.

Group B spoke weekly as well but was also exposed to the methods found in Natural Confidence.

After just a few weeks both groups spoke in public for a final "test." And guess what? Group A's fear was almost the same as it had been before. Group B—exposed to my methods—had almost no fear!

And just to be sure that the techniques found in Natural Confidence really produced the change, Group A was also exposed to my methods. When they next spoke in public they had virtually the same results as Group B.

Their fear was gone!

Clinical Psychology and Psychotherapy

The results were so impressive that they were published in a respected scientific journal called Clinical Psychology and Psychotherapy. You can get a copy of that journal article here.

Oh and I almost forgot. The people from Groups A and B were contacted six months later to see if their fear was still gone. In fact, the scientists thought for sure that the results wouldn't last.

But when they were surveyed about their fears almost all of them were still fearless when speaking in public. After this, the lead scientist on the study Dr. Lee Sechrest said:

Dr. Lee Sechrest, Professor, University of Arizona
UA Logo

"We had expected that the fear would come back but it didn't. They had, in fact, changed. Their fear of public speaking was gone."

Dr. Lee Sechrest, Professor, University of Arizona

Even the skeptical scientist was convinced of the power of Natural Confidence.

"I never thought I would say it but your program did the trick"

Just wanted to let you know I did finish the program and much to my surprise, it was very helpful.  I must say that initially I was very skeptical.  I do some public speaking but generally I get fairly nervous a couple of days prior to the engagement. It used to take me 30 seconds or so to get somewhat comfortable.  I finished your series and 3 days later, I gave 2, twenty-minute talks to over 1,000 people. I do not feel any of the nervousness I had felt in the past.  I never thought I would say it but your program did the trick.

Thank You

Curt Coleman

How Your Life Transforms

After using Natural Confidence our customers tell us about all sorts of changes. They get ...

Increased confidence
Self doubt is gone
Self criticism is silenced
Stress is dissolved

So you take action, you do the things you've been meaning to do for years and do so without stress, strain and struggle. THe change feels natural and appropriate. You get to do what you want and enjoy the journey.

People have told us that they were able to speak in front of large audiences without breaking a sweat.

Others have said they gained the confidence to start successful businesses.

Some have found the self-esteem they needed to find the man or woman of their dreams.

Others used what they learned to ask for more money on their job ... and get it.

Natural Confidence frees you to pursue your own dreams, to get what you truly want out of life and feel good doing it.

What You Get

When you order Natural Confidence you get immediate, online access to our interactive multi-media program that eliminates confidence-destroying beliefs—all from your own computer.

You get 19 belief-elimination modules that will help you become your naturally confident self. You get to input your responses to questions asked and the program guides you to the next step so that you don't miss a thing.

You get 4 de-conditioning modules. Each one will help you to blast away each of the four common fears that hinder most people from achieving all of their dreams.

All modules are delivered over fast, streaming video on this website. So you can get them all right away without waiting a few weeks for something to be delivered.

You also get e-mail support from my colleagues and I to ensure you understand everything… and to make sure that you're aware of the many subtle and not-so-subtle changes this program makes in your life.

Plus You Get Some Really Great Bonuses To Support You

Bonus #1 "Bust Your Abundance Beliefs" Program

Would you like to breakthrough the barriers to having abundance in your life? Would you like to worry less about money and have the confidence that you can get what you need in today's troubled economy? If so, then you'll love "Bust Your Abundance Beliefs"—a program that helps you eliminate five beliefs that can keep you from having inner and outer wealth. When these beliefs are gone, you'll have dissolved the barriers to having the abundance mindset—a key factor needed to produce wealth in your life.

Bonus #2 How To Find The Source Of Your Beliefs

This video training teaches you the eleven principles that facilitators in our live programs learn to help people like you find the specific events that lead to a belief. Once you know these principles you'll be much more effective in finding the source of your own beliefs so you can eliminate them and transform your life for good.

Bonus #3 Take "Who Am I Really?" Much Deeper

Three transformative audio meditations that take you much deeper into the peace of mind, satisfaction and sense of freedom that only the "Who Am I Really?" Process can bring. You'll see reality and how you create it in ways you've never thought of before. In the past only our private clients and trainees who paid thousands of dollars were able to experience these meditations. Today you'll get them free as part of the new NC package.

And for just the first 25 who join, a special treat ...

Limited Bonus (25 only) Live training on how to get rid of fear triggers.

In this training, I show you how to de-condition triggers for fear. Most fears are caused by beliefs but some are conditioned like Pavlov's dogs were conditioned to salivate. For example if seeing a dog makes you afraid. The dog is the trigger. I show you how to make that trigger for fear, trigger nothing at all. So the dog won't produce fear. With this training, you'll be able to do the same with many other fears such as fear triggered by criticism or fear triggered by failure. There are many possible fear triggers and you'll learn how to de-condition them all.

Click here for questions people ask before getting Natural Confidence

"I experienced explosive growth in my business..."

Donna Bauer

For years I have tried to improve various areas of my life, with little or no success. After working with Morty's method, I experienced explosive growth in my business; I’ve lost a considerable amount of weight; and in general, I have become totally empowered to be the woman I always wanted to be. My friends tell me that I am like a completely different person – and they’re right – I am!

Regardless of what you might be struggling with, Morty’s techniques can help you to identify the root cause and eliminate it from your mind permanently. He can truly help you to unleash the power within and become whoever you want to be!

Donna Bauer, The NoteBuyer
Real Estate Investor, Author & Educator

Your Investment To Get These Amazing Results

Now you may be thinking that a program this comprehensive, this powerful and transformative has got to be expensive. One customer told me that she woke up feeling like a million bucks after completing the program in one day. Fortunately, because this program is delivered online, I can offer it to you for $199.

"I now make over $100,000 a year plus bonuses"

I used to have beliefs that I did not deserve to make a lot of money and that it was a "sin" to be wealthy. Consequently, I was always getting paid at the bottom salary level for my work in the nonprofit world. All that has changed. Through working with Morty's method - I now make over $100,000 a year plus bonuses. My last jump in salary was 64%. My beliefs have changed and so has my life.

Carol Shaw

"I have never in my life been so comfortable talking in front of people and now I am"

On Wednesday I went through the entire program.  The next day I gave the biggest presentation of my life to over 100 people.  All were managers, directors, VPS and Senior VPs in my department.  Before I went through the program, I was easily a 10 on the Fear Scale.  After I went through the program, I thought I was a 5 ... not bad.  But at the presentation, I was a 0 (no fear)!  I have never in my life been so comfortable talking in front of people and now I am. I can't believe it worked so well. The FEAR IS GONE! THANKS ... you really made a difference for me.

Hal Melville

Use Just Once, Achieve for a Lifetime

Most programs say you have to DO something on a daily basis like meditate, say affirmations or do hypnotic exercises in an attempt to paste new beliefs on top of your old ones. As a result any confidence you develop with these programs is based on your continued use of these techniques… usually forever.

Natural Confidence is the only program that you use just once—to eliminate your beliefs and conditioning—for good.

Your confidence will no longer be based on what you DO. It'll be based on a clear vision of who you really are. And you can only have this clear vision when you wipe way the distortions caused by limiting beliefs.

As a result you don't have to practice anything, memorize anything or do anything again after you complete the program. You just change and change for good.

"As a result, the profits of my business went absolutely through the sky."

Paul Scheele

Morty’s Lefkoe Method gives you the key to dropping a belief that no longer serves you. In just a few minutes I was able to drop a belief that had been plaguing me all of my life. For months after our time together, I noticed I felt different when opportunities came up and the belief didn’t stop me. As a result, the profits of my business went absolutely through the sky. Whatever had held me back in the past was gone. So I highly endorse The Lefkoe Method and I encourage you to look into it and discover the power of it yourself.

Paul Scheele
Chairman, Learning Strategies Corporation

How Does It Work?

It works like this…

Order and you'll be sent your private password to the Natural Confidence program on this website. You'll have access to all 19 interactive multi-media modules that eliminate the beliefs that sap the confidence of most people as well as the 4 de-conditioning modules that eliminate your fears. Both of which will allow your own authentic sense of confidence to emerge… naturally.

But that's not all. You'll also get access to all updates to this program in the future and e-mail support to help you through the program. We're with you every step of the way to make sure you succeed.

I promise you, this is by far the best $199 you can spend on making your life better. It's like being guided by my colleagues and I for just a fraction of the price you'd pay to be helped by any one of us.

"The results have been remarkable and they speak for themselves"

The results have been remarkable and they speak for themselves.  My income has tripled, I've lost weight, I've stopped using wine as a comfort, I'm in a loving relationship for the first time in 12 years and I have my own business that I dreamed about forever.  I can also now talk to a full room of professionals that used to intimidate me into silence and fear.

Catherine Maley

This Will Happen To You, If You Order Today

One of the most powerful aspects of my program is that it shifts your identity from that of a person controlled by any number of helpful or unhelpful beliefs (and yes the helpful ones control you too) into the Belief Creator, Maker of Your Own Destiny… a Person of Power.

This shift in identity can happen after using the program in just one sitting. Imagine, today you can experience a state in which it feels like anything is possible, nothing is missing and that you have no limitations.

And all you have to do is give Natural Confidence a try to get into this state for yourself.

Of Course, Your Satisfaction Is Guaranteed

Take as long as you want to complete every module in the program, eliminate every belief, knock down every barrier to your confidence at your own pace. Because I believe in my program and I want you to get a chance to really prove it works for yourself—I'm giving you a lifetime guarantee.

You absolutely must be satisfied that you've become a much more confident individual, that your life has changed, that you're achieving your most important goals. If not, please e-mail me for a complete refund. No questions asked.

Even though it seems like I'm taking a big risk in making this offer to you, I know it's no risk at all because you'll love what happens to you when you use this program.

So get started today by clicking the order button below:

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Sincerely,

shelly lefkoe signature

Shelly Lefkoe

PS Have you ever said "If only…"

If only I were smarter…
If only I had more education…
If only I'd worked harder when I was younger…
If only I was more good-looking…
If only I hadn't passed up so many opportunities…
If only I… (you fill in the blank)

…then I'd be more successful.

Of course deep, down inside you know these are just excuses. They come from your limiting beliefs. These thoughts are NOT who you really are.

When you are willing to give up your "if onlys" and really live, click the order button below to reserve your access to Natural Confidence.

Order Button

For the rest of your life, you'll be glad you did.

Questions people ask before getting Natural Confidence

But Shelly, I don't know if it will work for me

I get it. You've probably been burned before. So have I. This was the first thing that worked for me and many of our customers. But beyond that we've got a few scientific studies that show our stuff works for most people. In one study by the University of Arizona, members of Toastmasters who used the Lefkoe Method were compared to those that didn't. Those who used The Lefkoe Method - the same beliefs you find in Natural Confidence - had their fear drop to almost nothing. There was no change in the control group. But I want you to be confident that you'll get helped so offer a one- year money back guarantee. So you can take your time with the program and see the results and notice that they last and last.

But, Shelly I'm not sure I'll do the work

That's precisely why you need to do this program. It will help you overcome the beliefs that keep you from following through so you can get on with many of the things you've intended to do but don't get done. You got yourself to this website. You've completed other things, if you hadn't you'd probably be naked and starving now. All you need to do is get yourself to complete just one video. Then do another one. Just focus on doing one thing, one piece a day. Your life will change.

But, Shelly what if I don't have the money

I get it. For some people $200 is a lot to shell out at once. We do have a payment plan of $75 a month for 3 months. Now for some even that might be a lot.

So I'd like you to consider how often you've spent $200 on something, anything. If you own a smartphone, you've spent more than $200 to get it. If you have a car, your car payment is probably more than $200. Edmunds says that the average car payment is $479 a month. Do you drink coffee at Starbucks? Some people spend $5 or more a day on Starbucks. If you do that just 20 days out of the month that's $100 a month.

So I won't tell any of you how to spend your hard earned cash. However, I will say that just about anyone can afford this. The key question is how much is it worth for you to say yes to yourself? How much is it worth to stop having regrets over the things you failed to do over and over again. How much would it be worth to walk into a room with confidence? How much would it be worth to feel like you deeply matter regardless of how others treat you? Is it worth giving up a $5 a day Starbucks habit so you can afford it?