Not everyone has the same spending habits. I (in the US) happen to know that none of my colleagues buy Starbucks or any other shop coffee on a regular basis. Al

Not everyone has the same spending habits. I (in the US) happen to know that none of my colleagues buy Starbucks or any other shop coffee on a regular basis. Although we are paid a decent (although not high) salary and can easily afford this without thinking, I don't see people eagerly spend $25/month on this. Not to mention $25 is very different in other countries.