The Coffee Portfolio

“How can I invest when I can barely pay my bills??”

The above comment is a common refrain from someone who has no investments or savings. Let’s get this out of the way: you are signing up to work forever if you don’t invest consistently. If you like what you do, that’s not bad. But if you don’t like what you do for work or if anything happens that prevents you from working, then that’s not ideal.

Enter the Coffee Portfolio

I like many spoiled Americans and enjoy getting coffee out; Starbucks and Dunkin Donuts are the two main places I go.

Every time I went through the drive-thru of these fine establishments, I thought, “This is a waste of money” in my mind.

I have a Keurig (!) I should be making coffee at home; I’m thinking

But still, I was going through these drive-thrus and ordering this coffee that half of the time isn’t made correctly, anyway. Once I realize that the coffee is wrong, I don’t have the time or the patience to take it back.

One day, I thought about what would happen if I took what I was spending on coffee and invested in the companies I was frequenting. Last week, I finally decided to do it, and the coffee portfolio was born.

I spend roughly $3.50 a day on coffee out, so over 30 days, we are talking $105 a month…