When it comes to saving money pennies adds up to dollars.
For example let's say you can eat at home for half the price of eating out:
Price of a fast food meal: $7.50 x 0.5= $3.75
Over a year $3.75 adds up to $1368.75 per year assuming you eat out every day.
Invest that money in a index mutual and if you get 10% per annum over the course of 30 years that will equal $23,883.87 and that's if you do it for 1 year alone.
If you get 15% per annum for 30 years that amount becomes $90,627.36.
If you are the next Warren Buffett and get 22% compound annual growth rate for 30 years and that amount becomes $533,481.12.
What bad habit could you kick today?