This is a great article.

$5 in less than a year is good progress from just skipping coffees.

The real money rolls in as the years turn to decades of skipping morning coffee

Now assume for simplicity you did this just for 1 decade and then left the money there for your retirement and after that decade you went back to coffees every day.

Also assume your 20 years old.

By 30 you have $25,225 in your coffee fund of just deposits.

But this is just the start. From the age of 30 to 60. This fund will grow with no contribution from yourself ( so you can go back to Starbucks daily).. to $192,000.

If you put this into a fund for your grandkid when he is born (say on your 60th birthday), by the time he is 18… $648,000.

That’s an expensive house.

All funded by not drinking coffee for a decade 40 years ago by a grandma.