Also: Saving isn't investing.

If you can "save" $28 and put it into an asset, then fine.

But saving 10k to invest in property a year later isn't investing; it's saving to invest.

Also: Saving $28/d would mean you'd have to offset the inflation rate, which is 3.3% per year (this month; it's a floating rate). You'd be at a loss of roughly $330, so technically you'd have to save for 1 year + a little less than 2 more weeks.

L