Small daily spends, big long-term numbers
A small spend a day feels trivial — but multiplied by 365 and compounded over years, it becomes a number that surprises people. This projects the total you'd spend on a habit and compares it to the same money invested at market returns.
The point isn't guilt about suya. It's the opportunity cost of any recurring spend, so you can decide what's actually worth it. (Remember: in naira, high nominal returns also reflect high inflation.)
What you're probably wondering
We multiply the daily spend by 365 and by the years chosen. The "if invested" figure puts the equivalent monthly amount into the market at roughly 15% a year (nominal).
Yes. Though we show examples (suya, drinks, cigarettes), you can enter any daily spend.
Not at all. It's about the opportunity cost of any recurring spend — useful for perspective, not guilt.