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Dust Sprites indeed drop Coffee Beans. It's not super common but it's not that rare either. I got about a dozen Beans while grinding the 500 Dust Sprites for the Guild list.
The Traveling Cart sells Beans quite often, but it usually costs 2,500g for a single Bean.
Backing up what Tri said, the little Dust Sprites from floor 40-79 in the ice areas have a tiny chance of dropping a coffee bean. If you go in on a day where your luck is higher, the odds improve of both Coffee and Coal dropping; it's how I got my first bean.
As long as you have a single coffee bean, you can start an entire plantation - the stuff grows like weeds once it starts sprouting. I think Coffee is actually how I broke into earning lots of money for the first time, since it grows so ludicrously fast and brewing coffee barely takes 1/30th the time for wine (I actually used to brew 3-5 batches a day).
Alternatively, go to the mines on a bad luck day, and you should have more dust sprites to contend with, equating to more opportunities for a bean to drop... Good luck and speedy travels
I recently planted and harvested 400 Starfruit. At their current value I am looking at 320k (Not including the increased star amount because I'm going to turn it into wine). Now when I am finished turning it into wine my profit will be (And I have Artisan Perk making my wine sales at 3150 a bottle) 1,260,000. Now if I age them to Iridium Star Quality my new profits will be 2,520,000 making this a very very nice sell.
Coffee in of itself is nice, but I plan on using it myself for the speed boost. I don't like how slow I am in game.
The aging process is just bonus, though. You put the Wine in Casks, come pick it up two months later, and you've doubled the Wine's value. Doubling your revenue from a particular source for just one minute of work is actually quite impressive. And in the meantime, you're still free to grow stuff.
The only time it hurts you to do this is if you needed money to invest immediately. In that scenario it's better to sell the Wine (or even the Fruit) right away and invest the gold in something that's going to yield more than what making and aging Wine would.
It depends on if you're constrained by time or cash. Your calculation assumes that your time is unlimited. You can' t grow unlimited starfruit bc either you're constrained by time (your time during day or the proper season) or by space if you're growing it in a greenhouse or even by your farm size if you have sprinklers and junimo huts It's not that different than deciding if you should grow starfruit or blueberries in the summer: ppl who are constrained by cash and trying to grow their working capital should grow blueberries bc you get the money back faster and don't need to keep rebuying the seeds. Those who have plenty of money should grow starfruit (looking only at it financially).
If you're trying to maximize profits, you should look at what else you can do with the time/capital. If you have something more profitable for your use of time or cash, do it. Otherwise, make wine and age it in casks.
Imagine that I can either sell my watch today for a dollar or in a hundred days for two dollars.
Sure, the first scenario means I've made one whole dollar in one day, while in the second scenario it took me a hundred days just to make two bucks; I've made money fifty times more slowly by waiting.
But if I don't need any money until next year and I sell my watch for a dollar when I could have sold it for two, then I lose half of my watch's potential value for no reason. Why would I do that?
This game lets you play with investment and time. Sure, it doesn't seem like a whole lot of good to throw everything into Starfruit Wine. But You shouldn't throw EVERYTHING into Starfruit Wine. Keep some money aside to grow other things while you take your time with making wine and aging it to perfection. While you make money doing other things, you'll feel the satisfaction of the huge payout at the end of aging your Starfruit Wine to perfection.
Just like a real life investment. It pays off when you keep at it and don't stop and pull out early.