Actually, the S&P has delivered 7% after inflation over its history, not 5%, so the returns are even larger than this. https://www.investopedia.com/ask/answers

Actually, the S&P has delivered 7% after inflation over its history, not 5%, so the returns are even larger than this. https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp https://www.investopedia.com/ask/answers/042415/what-average... The real thing the article misses, though, is the mindset that giving up a latte is meant to symbolise. That's best expressed in this article: https://jamesclear.com/marginal-gains https://jamesclear.com/marginal-gains The point isn't to just drop the latte and see a massive gain. It's to understand that a set of marginal gains made across your life can, together, have a huge cumulative effect.