There are, and once you start adding in the calculations of compounding interest and comparing your daily coffee to number of years earlier you will be able to retire it all starts looking different again!

That's probably the main complexity of trying to make good financial plans, comparing and weighing all the different short term and long term priorities. Our brains tend to be wired to prioritise short-term interests, until we look back on our lives with hindsight and wish we had made other choices. I think my financial management was dramatically improved when I started budgeting for my full lifespan instead of just focusing on fairly short term spending - everything is about balancing costs and opportunities and picking which are the most important to you.