The 'Latte Factor': $5/day on coffee = $1,825/year. Invested over 30 years at 7% = $181,000.
Average American spends $1,100/year on coffee. Heavy café-goers spend $2,000–$3,000.
Average: $1,100/yr. 2 café drinks/day × $5 × 365 = $3,650/yr.
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