I guess at least by the "it costs you 1 million dollars" logic, you could afford a latte per day if you can also afford to save 10$ a day. Then by the same calc

I guess at least by the "it costs you 1 million dollars" logic, you could afford a latte per day if you can also afford to save 10$ a day. Then by the same calculation, you would accumulate 2 Million $ for retirement.