We had a young woman working for us (she was married with a 2 year old). Every day on the way to work she would stop at Starbucks, grab a breakfast item and a large Latte. Then on her break she would go in for another Starbucks run, and would eat out at lunch 90% of the time.  I figured she was spending at least $30/day on breakfast/coffees/lunch (probably more like $40). If you calculate that she did this 5 days a week for 50 weeks a year, that's $10k... ouch. 

On the contrary my business partner and I (in our late 40's) ate breakfast at home, brought our lunches from home, and made coffee in the office (good quality coffee I might add, Kicking Horse). We could easily have both afforded to not do this, but its just how we were raised and how we choose to spend our money.

Don't get me wrong, a nice meal out is great -- but frivolously blowing money daily at Starbucks and similar is a complete waste (just my opinion of course).