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Is your daily coffee, energy drink or little treat secretly costing you $95,000?
I gave AI three months of my family's real spending and put our everyday purchases on trial. The result: 62 small purchases, about $6 a day, $2,200 a year, and potentially $95,000 over 20 years if that money were invested instead.
But I don't think the coffee is guilty.
In this episode of Wednesday Rich:
- What 290 real household purchases revealed
- The one-question test for any small purchase
- Why subscriptions deserve a two-minute audit
- Why vacation is never on trial in my money system
- The Skip Log: a 10-second AI habit to track money you choose not to spend, and turn it into long-term wealth
TRY THE SKIP LOG (copy into ChatGPT, Claude or Gemini):
You are my Skip Log. Whenever I tell you I skipped a purchase, record the date, item and amount, and keep a running monthly total. When I say "month end," show every entry, verify the total, and remind me to move that money into savings or investing. Show what that monthly amount could grow to over 10 and 20 years at assumed annual returns of 4% and 7%. These are illustrations, not predictions. Then start a new month.
Watch the full episode on YouTube: https://youtu.be/lPOa-EknNkI
I'm Julia Peter. I designed products at Sony, Google and Meta AI, and now I build businesses and run real experiments with AI on money, work and life. New episode every Wednesday.
Sources:
Vacations and heart health: https://pubmed.ncbi.nlm.nih.gov/11020089/
2025 PTO survey (FlexJobs): https://www.tradeandindustrydev.com/industry/all-industries/nearly-1-4-us-workers-took-no-pto-past-year-says-35094.md
Projections assume monthly contributions and a hypothetical 7% annual return. Actual returns vary and are not guaranteed. This is education, not personal financial advice.
Technically Sweet. Design a Life You Love.
