Your time investment goes without saying. It's the other expenses that matter. People don't go around saying: "this latte cost me $48 dollars -- $8 dollars for

Your time investment goes without saying. It's the other expenses that matter. People don't go around saying: "this latte cost me $48 dollars -- $8 dollars for the latte and 1 hour of my time ordering and drinking it at Starbucks". Not to mention that people also have free time. It's not as if you're making money when you are off of work (except if you have a passive income scheme, in which case you keep making them even while you go around shooting a movie).