[emestifs]

Interesting to think about. I did the math quickly, assuming you take the ~$12 and invest it instead here's what you end up with

$12/mo invested to return ~6% over 30 years:

    End balance: $11,751.08
    Total Interest: $7,431.08
    Total not spent on Spotify: $4,320.00

Over a 50 year time horizon, the numbers become more fun:

    End balance: $43,155.05
    Total Interest: $35,955.05
    Total not spent on Spotify: $7,200.00

Of course, bunch of assumption, 6% return, past performance doesn't indicate future return etc etc, and I doubt Spotify is going to exist in 30 in its current form, small probably it does, but odds are against that if I had to bet.

Maybe those boomers are onto something about avocado toast /s