ah yes, the poor quality coffee chains that destroy your wealth over time.
The guys at work get Starbucks every single day on the way into work. One guy spends £15 a day on a drink and a breakfast and another drink in the afternoon on his break.
5 x days a week are £15 for 48 weeks of the year = £3,600 a year on crap coffee he could make better at home for a fracrion of the price
if he spent just the next 3 years making it himself and saving the £3,600 per annum, instead investing it on an index fund returning 8% per year....
Final value after 10 years ≈ £23,316
That's a gain of about £12,516 over the original £10,800.
Final value after 25 years ≈ £73,964
That's a gain of about £63,164 over the original £10,800.
Final value after 35 years ≈ £159,700
That's a gain of about £148,900 over the original £10,800.
All from cutting out convenience coffee for just 3 years.