The other comments in this thread make an excellent point on how this doesn't make sense (extremely long investment period, unusually high interest, no inflatio

The other comments in this thread make an excellent point on how this doesn't make sense (extremely long investment period, unusually high interest, no inflation...). However, my $0.02 is time. If you can afford a daily $5 coffee, the time it takes to make yourself a cup of coffee every day will cost you a lot more than $5. Not to mention the fact that if you can afford $5 a day, you 're probably stable enough financially to save up for retirement anyway.