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

如果你停止每天買一杯五美元的拿鐵，並把這些錢用於投資，你退休後就會有一百萬美元存款。

That doesn't sound quite right.

這聽起來不太對。

How much coffee are these people drinking?

這些人是喝了多少咖啡？

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

更重要的是，如果戒掉昂貴的咖啡，到底能省下多少錢？

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

假設你每天買美元五塊錢的濃縮咖啡。

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

你可能不會，但理財大師們覺得你會。

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

那就是一週 35 美元，一個月 140 美元，一年 1825 美元的花費。

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，我們把收益拉回平均水準，保守估計有 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.

即使按照這樣計算，也需要 14 年時間才能還得起美國平均學貸債務。

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.

這還是在假設你一年中每天，包含那些咖啡店沒開的日子，都買咖啡的情況下。

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，即使再也不喝咖啡，把所有咖啡錢都投資到股市裡，40年下來，你大約會有28萬元，還遠遠不夠讓你退休。

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

那麼你需要戒掉多少杯咖啡才能省下一大筆錢呢？

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.

要省下每天喝四杯拿鐵的錢，連續 40 年，加上高回報率，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.

況且有這種不健康的咖啡因攝取習慣，錢可能不是你首先要煩惱的事情。

Do you want a latte today?

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 個月內買一台新 iPhone？

Or a cruise next year?

或是明年的郵輪旅行？

Or a college fund for your kid in 18 years?

又或者作為 18 年後，給孩子的大學基金？

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

所以，不要覺得花錢買咖啡不好，除非你一次買四杯。

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

要是這樣，你也該先擔心你的咖啡因攝取量。