4. Hitting a coffee shop instead of the coffee machine
The average American is a fiend for the bean, consuming, on average, three cups of coffee a day. And when each cup is priced at $1.38, those numbers become shocking enough to replace that cup of joe in the morning. Opting instead for free office coffee, or, at worst, coffee you make yourself, can mean big savings down the road.
What you spend now, daily: $4.14
What you should spend: Ideally, nothing – otherwise $.18 a cup, given an $8-per-pound ground.
Over 10 years that’ll get you: $14,454, or about 14oz of actual black gold.