An average person (I think the average life expectancy is about 80 years) will waste $405,112.89 if they throw away a penny a day. I assumed you would invest $3.65 every year, earning a reasonable rate of return of 12%. Correct me if this seems wrong.

Calculated Here

Note: This site only allows for 50 years, so you have to do 50 first and then another 30.