That's actually reasonable spending if you ask me... I pace myself to once/twice a week so I spend roughly a similar amount. As for the savings/investments argument, 10k + compound interest over 30 years might make a difference. But like a buddy told me. Investment is like a tree, it'll always grow. You just need to plant the seeds. So no point in thinking of the "what ifs". What matters is your decision to plant the seeds some day.