> High savings is made from a collection of good habits (or avoided pitfalls), not just one. Correct. The whole point of the "stop buying lunch out every day"

> High savings is made from a collection of good habits (or avoided pitfalls), not just one. Correct. The whole point of the "stop buying lunch out every day" is not to never do it, but to develop good financial habits and to show you that small changes, taken over a long period, pay off. I bring my lunch almost every day. I actually do it because it is one less thing I have to think about during the day (having to decide where to go and then either walk or drive there). But the numbers pay off too. Assuming $10 a day for lunch, that's $50 a week or $2,600 a year. The cost of bread, lunch meat, condiments, etc is about $10 a week for me or $520 a year. You save more than $2k a year by not eating out every day. For most people, that is not an insignificant amount of money. That's enough for a nice little vacation. Now, you actual amount will be less, because everyone splurges occasionally. But little vampire costs like daily lunches or coffees do add up and if you look around your life there are probably a lot more of them than you realize. Should people not buy stupidly expensive cars they likely cannot afford? Yup. But that doesn't negate the broader point that people should look at the larger financial picture.