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10 Small Changes At 20 That Can Make You A Millionaire By 60

Stop buying lotto tickets. A few tweaks to your everyday life can save you millions over time. Check out how much you can save over the next 40 years below, and invest smarter with E*TRADE.

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1. Coffee

Ambernectar 13 / CC BY-ND http://2.0 / Flickr: ambernectar

Add three minutes to your morning schedule and make a pot yourself.

Starbucks latte: $4/day x 40 years = $58,440

Store Bought Coffee: $6/pound, 1lb=40 cups. 1 cup = $0.15 x 40 years = $2,191

Savings: $56,249 x 10% annual rate of return = $687,415.62

2. Lunch

EvelynGiggles / CC BY http://2.0 / Flickr: evelynishere

Brown bag it for a healthier and much cheaper lunch.

Lunch out: $10/day x 40 years = $146,100

MYO Lunch: $4/day x 40 years = $58,440

Savings: $87,660 x 10% annual rate of return = $1,071,298.83

3. Gas

Riza Nugraha / CC BY http://2.0 / Flickr: rnugraha

The average household spends $368 a month on gas. I think it's time to break out the bikes. Carpooling, public transportation, and hybrid vehicles are also great ways to save on gas.

Gas: $368/month x 40 years = $176,640

Bike: FREE

Savings: $176,640 x 10% annual rate of return = $2,346,654.96

4. Laundry

Celeste Lindell / CC BY http://2.0 / Flickr: averagejane

Save your quarters and head to the laundromat.

Professionally: $80/month x 40 years = $38,400

DIY: $10/month x 40 years = $4,800

Savings: $33,600 x 10% annual rate of return = $446,373.96

5. Television

BiblioArchives / CC BY http://2.0 / Flickr: lac-bac

The library is free and it makes you smarter than The Real Housewives of Wherever They Are Right Now. If you must watch TV, stick with basic cable, it's also free and who really needs 4,364,908 channels?

$50/month x 40 years = $24,000

Books: FREE

Savings: $24,000 x 10% annual rate of return = $318,840.26

6. Water

Klearchos Kapoutsis / CC BY http://2.0 / Flickr: klearchos

Isn't this supposed to be good for the planet, too, or something?!?

Bottled: $2/day x 40 years = $29,220

BYOBottle = $5

Savings: $29,215 x 10% annual rate of return = $357,098.21

7. Movies

BOMBMAN / CC BY http://2.0 / Flickr: ajay_g

If you buy popcorn and a soda when you go to the movies, this could actually save you billions.

Theater Ticket: $14/week x 40 years = $29,218

Netflix: $8/month x 40 years = $3,840

Savings: $25,378 x 10% annual rate of return = $306,083.62

8. Exercise

Positively Fit / CC BY-SA http://2.0 / Flickr: positivelyfit

Stop paying for dumb gyms! Cardio and weight training exercises are all over the internet.

Gym: $55/month x 40 years = $26,400

No Gym: FREE

Savings: 26,400 x 10% annual rate of return = $350,724.87

9. Shampoo

Martin Roell / CC BY-SA http://2.0 / Flickr: martinroell

We know it sounds crazy, but give it a try. A shampoo-free routine is all the craze these days, even Jessica Simpson's tried it out! If you're still unsure, try cutting down to one 'poo per week.

Shampoo: $12/month x 40 years = $5,760

No Shampoo: FREE

Savings: $5,760 x 10% annual rate of return = $76,519.11

10. Pocket Change

JD Hancock / CC BY http://2.0 / Flickr: jdhancock

$10 a week may not sound like much, but over time it can add up to some serious cash.

No Savings: $0.00

Savings: $10/week x 40 years = $20,870

Savings: $20,870 x 10% annual rate of return = $255,070.31

11. Total Savings = $6,216,079.75!

Do you have any other secret saving tips? Let us know in the comments below!