Here is some great tips to consider. It is interesting how the numbers add up.
one culprit is the famous Starbucks.
Enjoy this parody
"And your savings is ...
If you eliminated all of these costs, you would save $5,978.75 in just one year. That’s a lot of money to add back into your budget. But if you invested that money every year and earned 5 percent annually, you’d see even bigger long-term benefits.
After 10 years: $72,958
After 20 years: $165,667
After 35 years: $366,331
Even more impressive is how far that money can go in retirement. The OnTrajectory calculator shows that if you stopped investing money into your retirement fund at the $366,331 mark, and then withdrew 4 percent of your balance annually to help cover living costs, you’d still have a little more than $300,000 left by the age of 90. It might seem hard to believe, but that’s the power of compound interest."