If you skip one latte per day, it’ll take you 27 years to “save” that $130k. There are a lot of better ways to earn $130k that don’t take nearly three decades.
Discussion
No doubt, I’d still rather make coffee or lattes at home, your still coming out ahead, especially putting that $13/day into some sats.
Sometimes, It’s not how much you make, it’s what you do with it.