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  • Financial pundits are always quick to point out the easiest way to save lots of money.

    理財專家總是很快指出最簡單的方法,以節省大量的資金。

  • If you stop buying a five dollar latte every day and invested that money, you would have a million dollars when you retire.

    如果你不再每天買一杯五塊錢的拿鐵,而是把這些錢進行投資,當你退休後,你就會有一百萬美元。

  • That doesn't sound quite right.

    這聽起來不太對。

  • How much coffee are these people drinking?

    這些人喝了多少咖啡?

  • And more importantly, how much would you actually save if you cut out expensive caffeinated drinks?

    更重要的是,如果你戒掉昂貴的含咖啡因的飲料,你到底能省下多少錢?

  • Let's say you buy a five dollar espresso drink every day.

    比方說,你每天都要買五塊錢的濃縮咖啡飲料。

  • You probably don't, but the gurus think you do.

    你可能不知道,但大師們認為你知道。

  • That's $35 a week, $140 a month, $1,825 a year.

    一週35元,一個月140元,一年1825元。

  • They say to invest your money, but financial personalities sometimes grossly overestimate the stock market's annual rate of return.

    都說要投資理財,但理財人士有時嚴重高估了股市的年收益率。

  • So let's bring it back to Earth by assuming a more conservative six percent return.

    所以,我們把它帶回地球,假設一個比較保守的6%的回報率。

  • Even with this math, it would take 14 years to have enough money to pay off the average American student loan debt.

    即使按照這個計算,也需要14年的時間才能有足夠的錢來償還普通美國學生貸款債務。

  • And that is assuming you're someone who buys a coffee every day of the year, even those days when the coffee shop is closed.

    而這是假設你是一個一年中每天都買咖啡的人,甚至那些咖啡店關門的日子。

  • So, even if you never drank coffee again, and invested all your coffee money in the stock market for 40 years, you would have about $280,000, which is nowhere near enough to retire.

    所以,即使你再也不喝咖啡,把所有的咖啡錢都投資到股市裡,40年下來,你的咖啡錢大約有28萬元,遠遠不夠退休。

  • So how much coffee would you need to cut out to save tons of money?

    那麼你需要切出多少咖啡才能節省大量的錢呢?

  • It would take the money from four lattes a day, every day for 40 years with a generous rate of return to end up with over a million dollars.

    每天喝四杯拿鐵的錢,每天都要喝40年,回報率很高,最後才能有一百多萬美金。

  • And since that is an unhealthy amount of caffeine, it's best to think of your coffee in terms of priorities.

    而由於這是一種不健康的咖啡因,所以最好從輕重緩急的角度來考慮你的咖啡。

  • Do you want a latte today?

    你今天想喝拿鐵嗎?

  • Or do you wanna save that money and buy an iPhone in 6 months?

    還是你想省下這筆錢,在6個月內買一部iPhone?

  • Or a cruise next year?

    還是明年的郵輪?

  • Or a college fund for your kid in 18 years?

    還是給孩子18年後的大學基金?

  • So, don't feel bad about splurging on your next venti, unless you're buying four at a time.

    所以,不要覺得在你的下一個venti上花錢不好,除非你一次買四個。

  • And then, you should still be more worried about the caffeine.

    然後,你應該還是比較擔心咖啡因的問題。

Financial pundits are always quick to point out the easiest way to save lots of money.

理財專家總是很快指出最簡單的方法,以節省大量的資金。

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How Much Money Would You Save by Cutting Out Starbucks?

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    Courtney Shih 發佈於 2020 年 01 月 31 日
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