<prompt> Human: In the UK the average cost of a cup of coffee is 2.45. Thats not much. However, i see people buy one before work every day. So.. lets assume you didnt buy the coffee and you popped it into a passive index tracker fund which performed just below average. If you started this at 20, youd have 147,609.13 by the time you retire. Thats works out to quite expensive for a few minutes of convenience.  <response>: Or you could drink lots of coffee and earn 200,000 a year 