1831 Baggert

Brown bagging it. One expert says taking your lunch to work can save you money.
Dan Kadlec, in Time.com, did the math. He says if you eat out every day and spend around $15 for lunch, you're spending about $3,750 a year. That's like a healthy down payment on a car.
If you only spend $3 packing a lunch instead, it's just $750 a year. That's $3,000 a year you're saving. In ten years, that's $30,000! And that's just straight saving.
Now that's something to brown brag about.
But be careful. People will resent you. And say things like:
"Maybe you should get brownie points."
Or, "Baggert."
Anyhow, then old Dan got a little crazy with his calculations. He said if you take $2,000 of the savings a year and put it in a 401k, if you start at age 22 and make around $34,000 a year, if you get a 50% employer match, and if you get 7% return, your lunch nest egg could grow to $600,000 by the time you retire.
If, if, if.
If you make $34,000. Not a prospect most 22-year-olds can expect. If your employer matches 50%. What employer is doing that these strapped economic days? And if your employer is likely to keep you from age 22 to 65. If he has a successful company some Wall Street raider type is likely to buy him out, strip the benefits and dump all the old employees. And that 401k will be invested in the iffy stock market right? The same one that exploded all our 401ks in 2008?
Still, saving $3,000 a year is cool.
If, of course, it doesn't put too many restaurants out of business, and their workers out of work.
Then again, maybe they can get a job at the brown bag factory.
America, ya gotta love it.