How to give yourself a raise

Just glad he saved his money.

Workers can spend about $3,000 a year on coffee and lunch, according to a recent survey by Accounting Principals, an accounting and finance placement firm based in Jacksonville, Fla.

"Don't think of it as $3,000, but rather what $3,000 per year would be in 20 or 30 years if invested at even low interest rates," says Burton Malkiel, an emeritus economics professor at Princeton University in New Jersey.

By saving $3,000 every year—that's $250 a month—you'll have a nest egg of $90,000 in three decades.

And they probably don't charge for coffee at The Home. Even if they do, you won't remember to drink it.