A very simple and effective way to save money is to forego the soft drink when you are dining out, especially at fast food places. Most of the time, these drinks are $2-3 which can add up significantly over time. Let’s say you eat out 5 times a week, and skip the drinks, you can save $50 a month. Invest that at just 5% and in 20 years, it will be worth over $20,000! In 30 years, over $40,000! You can some great ideas on how to invest as little as $20 at websites like investcorrectly.com and fool.com.