Yes, true. I was talking about small purchases. My personal framework is not to worry too much about small purchases (i.e. coffee, eating out, etc) but to cons

Yes, true. I was talking about small purchases. My personal framework is not to worry too much about small purchases (i.e. coffee, eating out, etc) but to consider it when making a larger purchase (i.e. a holiday, car, house, etc). Before I spend money on a larger purchase, I tend to think: would I rather spend/waste money on this, or have it compound over many years. For each million invested properly, you can get annual gains between 50-100k.