You know it sounds silly, but it is broadly correct. The coffees are inconsequential, but the mindset change is not. I have seen it in my own family. People gi

You know it sounds silly, but it is broadly correct. The coffees are inconsequential, but the mindset change is not. I have seen it in my own family. People given the same opportunities, same life, same family background, and yet outcomes are different based on what you value. Those who are often called 'cheapskates' end up much better off than those who spend more wantonly. Everyone made a choice. It's not the lottery tickets alone, it's the net result of having a small inclination to pay for things that you could have forgone. Over time, it does result in a net difference. It's like how your 401k will end up substantially differently if you invest in a fund with 0.01% management costs v 1%. Yes it's 'only' a hundred or so a year, but it adds up.