This morning I ordered my standard coffee refill from the Global Cafe for $1.09 (it is a lot cheaper if you are bringing your own cup). Before tax, a Venti Carmel Machiatto cost $4.95. Let's call the difference between the two $4. Assume that you buy coffees every week during the 52 week year. If you drop down from the Carmel Machiatto to a basic coffee, save $4 each time, and invest that $4 in an account that returns 5% per year, how much will you have in your account after 31 years? Do this on a monthly basis ($4 * 5 * 4 = $80) . (REMEMBER: YOU WILL HAVE TO TAKE r/12 TO GET YOUR MONTHLY INTEREST RATE).