The thing is, though, small differences in daily spending do matter, when summed over your adult life, and can make a meaningful difference in when (or whether)

The thing is, though, small differences in daily spending do matter, when summed over your adult life, and can make a meaningful difference in when (or whether) you can retire, especially if your savings rate is near zero. But sure, if you're tossing away thousands at a time for fun, then you've probably got some lower hanging fruit you can cut than saving a bit at Costco.