By that calculator, $1300/year (52 weeks/year * 5 days/week * 1 coffee/day * $5/coffee) over 47 years (aged 18-65) assuming 6.5% gets you nearly $400,000... ($

By that calculator, $1300/year (52 weeks/year * 5 days/week * 1 coffee/day * $5/coffee) over 47 years (aged 18-65) assuming 6.5% gets you nearly $400,000... ($65,000 is definitely way off! 1.065^47=19, very roughly. So let's assume you just invest $1300/year for 3 years then go back to buying coffees. What's a ballpark figure for how much you'll have aged 65 after that? Figure very approximately $1300 * 3 * 19 = $74,100.)