Compounding 4 min read
Tim Hortons daily: your double-double is $140,000 over 30 years
Keep the ritual, price the upgrade: the large could be a medium, and the difference redirected is a five-figure head start.
A large double-double is about $2.80. Every day, that is $1,022 a year. Invested instead, on real market data, it is $140,000 over 30 years. Your future self called. It wants a word.
The framing
$85 a month dollar-cost-averaged across the actual S&P 500 closes, 1995 to 2025: small redirected habits compounding year after year. In the CostMe app you can set your own return rate, or model a dividend ETF instead.
Keep the ritual, price the upgrade
Nobody is asking you to quit Tim's. But the large could be a medium, the extra stop could be the office pot, and the difference, redirected, is a five-figure head start. (See: The latte factor, reframed.)