Daily cost and daily benefit

If you’ve done some research on saving and investing, you may have come across commentators that advise against buying a daily coffee because it’s a bad financial decision.

They argue that if your daily coffee is $5, then you’re spending nearly $2,000 per year which could be invested or go towards a home deposit.

My issue with this argument is they make it sound like you’re throwing away $5 every time with no benefit.

You may be getting immense joy from that coffee. It may be a moment that you cherish every day and want to continue. So while the cost of your coffee may be $5, you could be getting more than $5 of benefit.

It’s a great recommendation for everyone to question their spending habits. But when you do, don’t just consider how much you’ll be saving, but also the benefit you are receiving.

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