Main Street, USA - Leading personal financial analysts at The Smart Young Investor have finally declared what many have long suspected: spending that $1 on coffee each morning provides better returns than saving it. “With the top savings accounts now paying only 3% interest rates, we can no longer advise forgoing that cup of coffee in the morning for the future reward,” said SYI Vice President of Savings Advice Penny Horder. “At 3%, even if you saved $1 a day for 10 years, at the end of 50 years you’d only have accumalated $21,281, even with compounding. Is $21,000 worth more than ten years of caffeine highs? I don’t think so.”

Representatives from Starbucks were quick to jump on the news: “We’ve been teaching kids for years that ‘A penny saved is a penny earned.’ Not only is it now apparent we’ve wasted valuable teaching time, but thousands of kids have mistakenly put money into their bank accounts when they could have been developing a much more valuable addiction to caffeine.”