Investor suggests a simple formula to become a crorepati: 'First learn to manage what you already have'

In a world obsessed with high incomes and flashy investments, one entrepreneur recently went viral for sharing a simple message about wealth-building. Rob Moore, a UK-based investor and the CEO, sparked a debate online with his recent post about how small, consistent savings — not big earnings — can pave the way to long-term financial success. His message? Before chasing more money, learn how to manage the money you already have.

Coffee With a Financial Lesson

Moore’s story begins with a simple visit to a coffeeshop, where he ordered his usual four-shot espresso. When the server informed him the price was £4.60, Moore pointed out that, as a gold member, he typically pays £2.40. To this, the barista responded with a remark about his wealth and questioned why such a small price difference would even matter to someone like him.

What followed was an impromptu lesson in personal finance. Moore pulled out a compound interest calculator and demonstrated the long-term value of saving even £2.20 a day. He multiplied the savings by three coffees a day, seven days a week, over 52 weeks a year, and projected it over 30 years at an 8% annual return. The final number, according to Moore, was staggering — and left the server “absolutely shocked.”

The Formula: Small Savings, Big Returns

Moore used this story to share a broader point: consistent saving, even in small amounts, can accumulate into significant wealth. In his post, he pointed out that a few pounds a day saved in common spending areas like coffee, food and subscriptions can make someone a millionaire in 30 years, even if they earn a basic wage. Moore ended the post with a clear takeaway: “If you want more money, first learn to manage what you already have.”

Mixed Reactions: Praise, Criticism, and Sarcasm

The post, which gained rapid traction, drew a wide range of reactions. Many applauded the message, agreeing that basic financial literacy, especially on compound interest, should be more commonly taught. Some shared personal experiences of saving small amounts consistently and reaping long-term benefits.

On the other hand, not everyone was convinced. Some commenters cast doubt on the authenticity of the story, calling it unrealistic or overly theatrical. Others questioned the assumption of a steady 8% return over three decades. A few even joked about the irony of sacrificing coffee while still getting poor quality brews.

Despite the skepticism, many acknowledged that the underlying message. Even critics admitted that learning to manage existing finances is a skill worth mastering, especially in today’s uncertain economic climate.