I have a twenty dollar bill. I can spend it on a few lattés, which adds to my life only a few minutes of actual sipping pleasure, and maybe an hour of the mild feeling of security that comes with having another sip waiting for me in my hand.

That twenty dollars, spent that way, returns little else in terms of real value and also comes with some liabilities in the form of empty calories and coffee breath. The net value is less than zero. I have nothing to show for it an hour later except the needless calories in my body. Terrible investment.

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