When you start getting really serious about retirement savings, you'll understand why a difference of 0.50 cents per day v.s. $3.00 per day, is actually a big deal.
Enough of those differences, and things start to really add up. Enough things add up, and you realize that money could have been making you ~8% in an index fund for the last year. Suddenly, the iPhone, the multiple Starbucks, the BMW, the designer clothes... all things rationalized as "just a few bucks a day" ... end up costing way more than that.
Enough of those differences, and things start to really add up. Enough things add up, and you realize that money could have been making you ~8% in an index fund for the last year. Suddenly, the iPhone, the multiple Starbucks, the BMW, the designer clothes... all things rationalized as "just a few bucks a day" ... end up costing way more than that.