Pick a habit
Spend, per day
Over how long
If invested, return
Per year. A broad share fund has historically returned ~7% before tax.
YOUR MORTGAGE
Loan balance
Set to $0 if you're renting — the invested number still works.
Rate
Loan term
$6 a day IS…
Per year
$2,190
Over 10 years
$21,900
That's a very good holiday — every year. ✈️ That's just the money spent — here's what it could have done.
THAT'S ALSO…
9 years of power bills 12 overseas holidays 18 decent bikes
IF YOU'D INVESTED IT
$30,258
after 10 years at 7% — that's $8,358 of growth on top of what you put in.
IF YOU'D PUT IT ON THE MORTGAGE
$95,978 interest saved
and you'd be mortgage-free about 4.3 years sooner.
None of this means give up your coffee — small joys matter, and the numbers assume you'd actually save every cent for decades, which nobody does. The point is scale: even one habit, redirected, moves the needle more than most people expect. Investment returns aren't guaranteed and tax applies; these are indicative, editable figures.
Daily coffee — save the card and share the damage.