I saw a large chunk of cash spent this evening at a bar that I was at for a work function.  At $5.00 a pop or more a regular drinking habit could cost cost a daily drinker a million dollars in investment money.  Of course you’d need to start early in your drinking assumptions and get higher interest rates, but a regular drinking habit is not any better than a regular smoking habit.  If you or someone you know drinks expensive alcohol regularly you could be risking the difference between a great retirement and a paltry scrimping by.  Think about the long term ramification of the latte factor or the rum & coke factor.

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