The Coffee Habit That Can Fund Your Retirement
The Coffee Habit That Can Fund Your Retirement
(Spoiler: You don’t have to give it up)
We’ve all heard the “skip your daily latte and you’ll be rich” advice.
Cute. But also… wrong.
You don’t have to cut coffee to build wealth.
You just need to flip the habit into an investing machine.
Step 1: Match Your Coffee Spend With an Investment
If your daily coffee is $4, that’s about $120/month.
Set up an auto-invest for the same amount into an ETF, index fund, or even crypto if that’s your thing.
Drink coffee → invest coffee.
Step 2: Let Compounding Do the Heavy Lifting
$120/month invested with an average 8% annual return for 30 years?
That’s over $170,000 — without touching your actual coffee budget.
And if you increase it over time?
We’re talking $250k+ while still sipping your cappuccino.
Step 3: Level Up With “Found Money”
Round up purchases to the nearest dollar and invest the difference.
Some apps like Acorns or Revolut do this automatically — it’s like turning pocket change into a portfolio.
Final Thought
It’s not about sacrificing the things you love.
It’s about making small, automatic moves that quietly build your future.
So tomorrow morning, when you grab your coffee, remember:
That cup can be the reason you retire early.