My IRA, or a loaf of great bread?
I mean, at what price do you gaze upon that wonderfully crusty, fresh-baked artisinal, preservative-free, organic, whole-grain, locally-sourced boule at the farmers market/specialty bakery/organic grocery store, and gasp - or shrug and say to yourself: "Nope, not gonna pay that much"?
Having just shelled out $4.89 for a smallish rosemary olive loaf at Fresh & Green in Baltimore, I figure it's good for four or five breakfasts before it goes stale and/or moldy, and I do want something worthy of the summer fruit jams I've been cranking out. But still...
I am not in the habit of regularly purchasing what you describe, though I do it from time to time.
I do, however, buy bagels (often from Breugger's), which are not exactly cheap anymore as I eat one most mornings usually with tomato or roasted red pepper. Even with veg from Grand Mart, this is no free lunch.