>To a first approximation, cutting a habit of $8/day for 200 days/year would immediately raise your net worth by ~$20,000 in my eyes. You can't pay your down pa

>To a first approximation, cutting a habit of $8/day for 200 days/year would immediately raise your net worth by ~$20,000 in my eyes. You can't pay your down payment in net worth, but nonetheless you could easily buy a $180,000 property with just that change alone after 4 years. What? What does that even mean? $8 a day for 200 days/year would be $1,600 a year. That's basically nothing. $6,400 is not a down payment on $180,000.