It’s lunchtime and you work from home. There’s only a few things in the fridge, and you just can’t bring yourself to cook eggs again.

Time to tap that delivery app and order something. What do you have to lose?

“Well, how long do you want to be working?” asks Valerie A. Rivera, a certified financial planner in Chicago and founder of FirstGen Wealth.

She’s not shy about letting her clients know how small financial choices, like doing delivery several times a week, compound over time. And it’s not the good kind of compounding .

The cost of convenience can derail your money goals, she says. Once you run the numbers, you might just decide to break the habit.

Ordering delivery is what we do now

The price of food away from home has risen 3.9% over the last year and is still on the rise.

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