Have you ever thought about what just $5 a day could do for your future? It might not sound like much—just the price of a quick snack or your usual coffee run. In fact, many people call this idea the “latteperday” mindset, asking if skipping your daily coffee could change your life. Funny as it sounds, this small habit really can have a big impact over time.

Let’s put it into a simple example. If you save $5 every day, that adds up to about $150 a month—or $1,825 a year. Now imagine doing that for 10 years. That’s $18,250, and that’s without interest! If you put that money into a savings account or an investment that earns even a bit of interest, that number can grow much more.

The magic here is in something called compound interest. It's basically earning money on your money. For example, if you invest your daily $5 in a fund that returns around 7% a year, after 10 years, you could end up with over $25,000. Let it grow for 20 years, and it could more than double. That's the power of starting small but being consistent.

This isn’t just about saving money, either. It’s about building a habit. Putting aside a small amount each day can get you into the mindset of thinking more carefully about your spending. Maybe you’ll skip that extra online purchase or pack lunch a few more times each week. These choices build up over time.

Some people feel like they need a lot of money to start saving or investing, but that’s not true. Starting with even a little bit each day is still a smart move. You don’t need to be a financial expert. You just need a little patience and some consistency.

So, if you’re wondering whether your small daily choices matter, they do. That $5 you spend without thinking could instead be used for something meaningful in the future—like a rainy day fund, a fun trip, or even part of your retirement savings. A small change today can make a big difference later.

Start where you are, with what you have. Your future self might thank you for it!