Spending $8 on lunch every weekday or $3 for a coffee might not seem like a lot at first, but how does that add up over time? That’s $40 on lunch and $15 on coffee, Monday to Friday every week ($21 for coffee if you fancy a cup on the weekends, and more than that if you tip and/or you're more latte-inclined). Assuming a consistent M-F schedule, that adds up to $1,920 on lunch every year, $720 on coffee. Tip: skip the coffee and buy some beans to brew at home or at the office. Even splurging on a 12oz bag of premium coffee will cost you somewhere between $15-$25. If it lasts you a month, you'll save between $420 (for a $25 bag) and $540 (for a $15 bag). The moral? Make the right numbers add up: find an investment strategy that suits your financial goals and money personality, and let the magic of compounding take care of the rest.