$5 Daily Coffee = $474,349 Retirement Gap

How small daily spending compounds into massive opportunity cost over 30 years

The Details

THE PART MOST PEOPLE MISS: The real cost isn't the $54,750 you spend — it's the $419,599 in lost compound growth. At a 7% annual return, every dollar saved in your 30s typically grows to $7.61 by retirement.

What this means for you

Retirement decisions compound — getting one of these details wrong can cost tens of thousands of dollars over a retirement. The good news: most of these mistakes are completely avoidable if you understand how the rule actually works.

Next step

If you want to see how this applies to your specific situation, take the free Retire Ready Score — a 2-minute assessment that scores your current plan across income, taxes, healthcare, and protection.