"There is an aspect to your spending that you may never have thought of (and may not be able to get out of your mind once we put it there). Have you ever stopped to consider the potential 'future value' of the money you spend today?

That is, if you were to save it rather than spend it, what would it be worth as you near retirement, say in 20 years?
,br> For example, let's say you spend $7 each workday for lunch on the job. What if you decided to fast just once a week and save that $7 rather than spend it? You continue to do this once a week for twenty years. Invest it at 8% in your Roth IRA and it would grow to (drum roll) $17,959!"