While being informed that by forgoing the mythical cup of coffee you’ll be a week closer to your savings goal would be potentially useful, today the bank has no idea you’re about to have that cup, or what your savings goal is. The bank simply can’t advise you in respect to spending less on a certain type of expense or for thinking of retirement by starting direct payments to a private pension plan, because it doesn’t actually know what your current situation or drivers are today.
