Happy Tuesday,

Angelo here! Welcome to New Money, where we go over weekly tips to help you build your wealth, one dollar at a time.

Today’s edition:

• The $7 decision

• The hidden trade behind every luxury habit in your life

• SpaceX IPO, Spirit Airlines collapse, and more…

🍎Wealth Tip of the Week

The $7 coffee is either the best or worst financial decision you make today.

And that number might be getting even bigger. Ground roast coffee hit $9.46 per pound in early 2026, a new all-time high.

Which brings up an interesting question: Should you actually feel guilty about buying it?

One side says skip the coffee and invest the money instead.

The other says life is too short to obsess over every small purchase.

I've seen both sides.

So should you give it up?

Let's find out.

1. Why People Defend The Coffee 

Coffee is rarely just coffee.

It's the walk to get there. The sunlight on your face. The barista who knows your name before you say a word. The five minutes of being a person instead of a task on someone else's list.

That has value. It doesn't show up in a calculator, but it shows up in your life.

And that matters. Because a financial plan that removes every enjoyable thing usually fails.

Think of it like a diet. The one that cuts everything enjoyable works perfectly on paper. Nobody actually follows it past week two.

Money works the same way.

If your budget is so restrictive that you hate living it, eventually you'll abandon it altogether.

The perfect financial plan you hate is worse than the imperfect one you stick to.

But before you order another coffee, let's finish the math.

2. The Part That Makes You Stop Mid-Sip

Seven dollars doesn't feel like much. That's exactly why this works.

Nobody wakes up and decides to spend $2,555 on coffee this year.

They spend $7. Then another $7. Then another.

Over a year, that becomes $2,555. And if that same amount were invested each year and compounded over 30 years, it could grow to more than $300,000.

That's enough to completely change someone's financial future.

Not because coffee is expensive. But because small decisions repeated thousands of times become surprisingly large numbers.

That is what makes this conversation interesting.

3. The Door Most People Never See

Think of every purchase like a door. 

One door leads to a present experience. The other leads to a future outcome.

The $7 coffee gives you enjoyment today. The $7 invested gives future-you a little more freedom.

You cannot walk through both doors with the same $7. That is the part most people miss.

Every purchase has two prices: What it costs today. And what it could have become tomorrow.

That is what opportunity cost really means. Not the money you spend. The alternative future you give up when you spend it.

And here is what changes everything.

That door looks completely different depending on where you are standing financially.

For someone with no savings and no investing habit, that $7 is helping build a foundation that doesn't exist yet.

For someone with a fully funded emergency fund and investments growing every month, the same purchase barely registers. The future door is already wide open.

Same coffee. Same price.

Completely different trade.

4. Three Questions That Tell You Everything

Instead of asking whether coffee is worth it, ask these three questions:

1. Do I have at least three months of expenses saved?

2. Is money automatically being invested every month?

3. Do I have high-interest debt quietly growing in the background?

If you answered no to the first two or yes to the third, your foundation probably needs attention first. Build it first. The coffee conversation changes completely once you do. 

If you answered yes to the first two and no to the third, buy the coffee. Sit in the sun and enjoy every sip. You did the work. It is just a really good start to the morning. 

If you've never invested before, that's okay.

The hardest part is usually choosing where to start.

I've put together a list of my favorite brokerage accounts here:

👉 View my favorite brokerage accounts

The coffee was never the problem.

It's the unconscious trade behind every luxury habit in your life.

Every spending decision is a trade between present enjoyment and future possibilities. 

Once you see that trade clearly, you can enjoy the things you love without wondering if you're hurting your future.

So tell me: Are you buying the coffee?

💬Quote of the Week

📉 Market Recap

Check out some of the biggest stories shaking up money, markets, and momentum this week.

👉 SpaceX is going public at $135 per share targeting a $1.75 trillion valuation

SpaceX plans to raise a record $75 billion in its IPO debuting June 12 on Nasdaq under the ticker SPCX. Up to 30% of shares are being allocated to individual retail investors. 

Wallet Impact: This is one of the biggest IPOs in history and retail investors get a rare seat at the table. If you want in, go in with money you are okay losing and treat it as a high risk position, not a foundation of your portfolio.

👉 Spirit Airlines collapsed and left 17,000 employees starting over

Spirit Airlines shut down in May after failing to survive a second bankruptcy. Thousands of pilots and flight attendants are now job hunting in an industry where getting rehired takes months.

Wallet Impact: This is a real reminder that job security is never guaranteed no matter how long you have been somewhere or how good you are at your job. An emergency fund is not optional. 

👉 Nasdaq and S&P futures slip as chip stocks cool off and jobs data looms

After a strong rally that brought markets back from March lows, semiconductor stocks are pulling back. All eyes are on the May jobs report which could influence whether the Federal Reserve cuts rates or holds them steady. 

Wallet Impact: Red days after a big run are normal. If you are invested in broad index funds or tech-heavy ETFs you may see your balance dip this week. 

👉 Goldman Sachs says four tech giants will spend $5.3 trillion on AI by 2030

Meta, Microsoft, Amazon and Alphabet combined are on track to spend more than the entire GDP of Japan on AI infrastructure through 2030. 

Wallet Impact: When the four largest companies in the world are committing trillions to one technology it becomes the backbone of the economy. 

👀 In Case You Missed It

This is the exact ETF portfolio that helped me reach $624,945 by 25. Full breakdown here!

 🌱More ways I can help build your wealth

See y’all next week 🫡

Angelo Castillo

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