This is what happens when poor students of finance look over their personal finances at the end of the month…

Her: I think I spend more than 15 excess dollars on any given day
me: that’s ok, you’re happier this way?
Her: until I see my credit card bill
temporary happiness
[plugs numbers into Excel's FV function...]
me: that’s $150,028.48 over twenty years
Her: UGH
that’s enough for my kid to go to college
or me to get an MBA
me: well, that’s assuming 3% interest
if you invested it into the stock market, it could be like -40% interest
Her: that’s more than 100,000 if I stash it under the mattress
me: yeah, but inflation, etc?
Her: LOL

Yup, it’s official. A penny saved is a penny earned, it seems. Ugh, isn’t it annoying how right Ben Franklin was?