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

That doesn't sound quite right.

How much coffee are these people drinking?

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

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

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

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

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

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

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

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.

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.

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

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.

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

Do you want a latte today?

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

Or a cruise next year?

Or a college fund for your kid in 18 years?

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

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