I agree with your overall point but I don't think those comparisons are very useful. Regardless of my monthly latte consumption, an extra 50/month is 50/month..

I agree with your overall point but I don't think those comparisons are very useful. Regardless of my monthly latte consumption, an extra 50/month is 50/month... the only real comparison imo is how much you'd be saving vs hiring a tutor or simply going through books yourself for free. I think it comes down to whether you have the drive to learn from books. If so then that's clearly the best move. But I'm willing to pay the 50 because this is the only approach that's worked for me so far. It's worth it but it still stings.