Bitcoin, Starbucks or Doordash?

[TheTimeLord]

I spend around couple hundred a month on Starbucks and this morning while I was in the drive through contemplating my wasteful habit I mused what wasteful use of a couple hundred dollars would be more palatable for BHs.

Which of these very unBoglehead choices would use choose for a couple hundred bucks?
a) Buy a lot of your favorite Starbucks beverage
b) Buy some Bitcoin
c) Buy DoorDash stock

I anxiously await the results.

[adamthesmythe]

It is never the right choice to put all your investment in one place.

I recommend equal division; that way you can stay awake while you watch your investments plummet.

[HomerJ]

Gambling on bitcoin or a single stock are two sides of the same coin.

You are basically asking

(1) Starbucks
(2) Gamble with the money

If you actually enjoy Starbucks (I don't drink coffee), and can afford the expense (I know you can), I would pick the option that actually gives you something you enjoy every day.

[yog]

You know what to do:

Buy Forester a Starbucks coffee & a pastry, delivered by DoorDash, and immediately put the rest in Bitcoin.

viewtopic.php?p=5704321#p5704321

[TheTimeLord]

You know what to do:

Buy Forester a Starbucks coffee & a pastry, delivered by DoorDash, and immediately put the rest in Bitcoin.

viewtopic.php?p=5704321#p5704321

+1, I would almost certainly get triple bonus stars on the purchase for Forester.

[TheTimeLord]

Gambling on bitcoin or a single stock are two sides of the same coin.

You are basically asking

(1) Starbucks
(2) Gamble with the money

If you actually enjoy Starbucks (I don't drink coffee), and can afford the expense (I know you can), I would pick the option that actually gives you something you enjoy every day.

That was the choice d) I forgot.

d) Place a prop bet on DraftKings

[nisiprius]

What's your utility function?

The thing I can never understand about "fun money" is that by my utility function I can always get more fun for my money in some other way than speculating or gambling with money. I know other people have different utility functions, or there would be no casinos, and it is not for me to project my personal utility function on anybody else.

Given the three specific choices, Starbucks.

[TheTimeLord]

What's your utility function?

The thing I can never understand about "fun money" is that by my utility function I can always get more fun for my money in some other way than speculating or gambling with money. I know other people have different utility functions, or there would be no casinos, and it is not for me to project my personal utility function on anybody else.

Given the three specific choices, Starbucks.

This has nothing to do with "fun money". I presume I was unclear in the original post.

[thatme]

I know people mention Bitcoin the way we talk about the term Kleenex (as a placeholder for all types of tissue) - but I'd sure like more discussion about whether people are considering putting some money in one of the JV-league cryptos - Ethereum or others. Is anyone hedging their crypto bets by putting some percentage of net worth in crypto spread across several types of crypto looking for the next homerun?

[nisiprius]

What's your utility function?

The thing I can never understand about "fun money" is that by my utility function I can always get more fun for my money in some other way than speculating or gambling with money. I know other people have different utility functions, or there would be no casinos, and it is not for me to project my personal utility function on anybody else.

Given the three specific choices, Starbucks.

This has nothing to do with "fun money". I presume I was unclear in the original post.

I enjoy Starbucks coffee. I find that their "blond roast" coffees are just about as good as a McDonald's senior coffee and only cost about twice as much. I used to find Pike's Place acceptable but now I will always go for Veranda if they have it, and if no other coffee shop is convenient.

I would not enjoy putting the money into bitcoin or Doordash stock.

According to my tastes, actual coffee is literally palatable, while I find risking money in either of the other two options distasteful.

I speak for myself, a "Boglehead" in the strictly limited sense of "participant in the Bogleheads forum."

[TheTimeLord]

I know people mention Bitcoin the way we talk about the term Kleenex (as a placeholder for all types of tissue) - but I'd sure like more discussion about whether people are considering putting some money in one of the JV-league cryptos - Ethereum or others. Is anyone hedging their crypto bets by putting some percentage of net worth in crypto spread across several types of crypto looking for the next homerun?

As I understand it, pretty much all other coins fall in a category labeled "alt coins". There may be some debate whether Ethereum belongs there or not.

[TheTimeLord]

What's your utility function?

The thing I can never understand about "fun money" is that by my utility function I can always get more fun for my money in some other way than speculating or gambling with money. I know other people have different utility functions, or there would be no casinos, and it is not for me to project my personal utility function on anybody else.

Given the three specific choices, Starbucks.

This has nothing to do with "fun money". I presume I was unclear in the original post.

I would enjoy Starbucks. I find that their "blond roast" coffees are just about as good as McDonald's and only cost about twice as much. I would not enjoy putting the money into bitcoin or Doordash stock. According to my tastes, actual coffee is literally palatable, while I find risking money in either of the other two options distasteful.

I order a regular latte about 70% of the time, blonde latte the other 30%.

[oldfort]

What is life without caffeine?

[firebirdparts]

I like my coffee black, so I am going to say bitcoin.

[1789]

Pick option A - continue enjoying your coffee.

[imflyboy]

What is life without caffeine?

A massive horrible caffeine withdrawal headache!

[Sage16]

Based on your signature line "IMHO, Investing should be about living the life you want, not avoiding the life you fear.", I would suggest you continue to enjoy your Starbucks. In your other 2 options you may be avoiding fear in the form of FOMO

[peppers]

Starbucks macchiato

[ddurrett896]

Cut back Starbucks 60%. Put 30% into Bitcoin and the other 30% into Doordash.

[Jeff Albertson]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

[FelixTheCat]

I spent two weeks with Grubhub when I had covid.

[dru808]

A couple hundo? Bitcoin or some other alt coin that has 5000x potential.

[HomerJ]

I know people mention Bitcoin the way we talk about the term Kleenex (as a placeholder for all types of tissue) - but I'd sure like more discussion about whether people are considering putting some money in one of the JV-league cryptos - Ethereum or others. Is anyone hedging their crypto bets by putting some percentage of net worth in crypto spread across several types of crypto looking for the next homerun?

I would suggest you stop looking for the next homerun...

"After years of disappointment with get rich quick schemes, I know I'm gonna get rich with this scheme. And quick!"
-Homer Simpson

Getting rich slow has a much higher success rate.

[Target2019]

I spend around couple hundred a month on Starbucks and this morning while I was in the drive through contemplating my wasteful habit I mused what wasteful use of a couple hundred dollars would be more palatable for BHs.

Which of these very unBoglehead choices would use choose for a couple hundred bucks?
a) Buy a lot of your favorite Starbucks beverage
b) Buy some Bitcoin
c) Buy DoorDash stock

I anxiously await the results.

I would login to Schwab and select 1 to 30 company stocks from the S&P 500 and put that in a stock slice. Maybe just 10 companies cause division by 10 is way easier. SBUX, APPL, TSLA, MSFT, WMT...

[HomerJ]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

$5 a day is $1,825 a year

$1825 a year from 25 to 65 invested at 10% nominal equals $800,000.

Better to use 7% real instead of 10% nominal... Then we get $364,000 in today's money.

Since the median net worth of 65 year olds today is $266,000, I think it amounts to quite a lot.

[donaldfair71]

It Starbucks brought me great pleasure, and I was saving what I considered an acceptable amount for me towards my goals already, I would continue to buy the Starbucks.

In fact, given the options presented, I probably would do so regardless.

[donaldfair71]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

$5 a day is $1,825 a year

$1825 a year from 25 to 65 invested at 10% nominal equals $800,000.

Since the median net worth of 65 year olds is $266,000, I think it amounts to quite a lot.

I don't disagree or agree with this, but it reminds me of this anecdote:

There’s an old story about a guy taking a smoke break with his non-smoking colleague.

“How long have you been smoking for?” the colleague asks.

“Thirty years,” says the smoker.

“Thirty years!” marvels the co-worker. “That costs so much money. At a pack a day, you’re spending $1,900 a year. Had you instead invested that money at an 8% return for the last 30 years, you’d have $250,000 in the bank today. That’s enough to buy a Ferrari.”

The smoker looked puzzled.

“Do you smoke?” he asked his co-worker.

“No.”

“So where is your Ferrari?”

https://www.budgetsaresexy.com/ferrari- ... ings-joke/

[surfstar]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

I disagree. Someone who spends $5 daily on coffee, is more likely to let other spending follow suit.

"Its just $5" or "Its worth the extra $___" or "I work hard, I deserve this" ...

I'd be pretty certain that there is a correlation between routine $5 coffee habits and overpriced cell phone plans (and/or $1200 phones!), food delivery services, multiple paid streaming services, and on. That adds up to more than $5/day.

I'm one who prefers Kirkland brewed at home - one of the cheapest ways to get my coffee. I maintain that frugality throughout much of my spending.

Sure, BHs aren't likely to notice $5 coffee habits affecting their lifetime financial goals, but mainstream Americans? I think so.

[manatee2005]

I spend around couple hundred a month on Starbucks and this morning while I was in the drive through contemplating my wasteful habit I mused what wasteful use of a couple hundred dollars would be more palatable for BHs.

Which of these very unBoglehead choices would use choose for a couple hundred bucks?
a) Buy a lot of your favorite Starbucks beverage
b) Buy some Bitcoin
c) Buy DoorDash stock

I anxiously await the results.

DoorDash isn’t exciting at all. Put $100 in Tesla and $100 in Bitcoin so you are diversified

[spanky123]

I spend around couple hundred a month on Starbucks and this morning while I was in the drive through contemplating my wasteful habit I mused what wasteful use of a couple hundred dollars would be more palatable for BHs.

Which of these very unBoglehead choices would use choose for a couple hundred bucks?
a) Buy a lot of your favorite Starbucks beverage
b) Buy some Bitcoin
c) Buy DoorDash stock

I anxiously await the results.

a) Buy a lot of your favorite Starbucks beverage - 10%
b) Buy some Bitcoin - 80%
c) Buy DoorDash stock - 10%

[HomerJ]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

$5 a day is $1,825 a year

$1825 a year from 25 to 65 invested at 10% nominal equals $800,000.

Since the median net worth of 65 year olds is $266,000, I think it amounts to quite a lot.

I don't disagree or agree with this, but it reminds me of this anecdote:

There’s an old story about a guy taking a smoke break with his non-smoking colleague.

“How long have you been smoking for?” the colleague asks.

“Thirty years,” says the smoker.

“Thirty years!” marvels the co-worker. “That costs so much money. At a pack a day, you’re spending $1,900 a year. Had you instead invested that money at an 8% return for the last 30 years, you’d have $250,000 in the bank today. That’s enough to buy a Ferrari.”

The smoker looked puzzled.

“Do you smoke?” he asked his co-worker.

“No.”

“So where is your Ferrari?”

https://www.budgetsaresexy.com/ferrari- ... ings-joke/

Heh, that's pretty good...

Yes, we all waste money here and there... if not coffee, then something else.

[HomerJ]

I disagree. Someone who spends $5 daily on coffee, is more likely to let other spending follow suit.

"Its just $5" or "Its worth the extra $___" or "I work hard, I deserve this" ...

I'd be pretty certain that there is a correlation between routine $5 coffee habits and overpriced cell phone plans (and/or $1200 phones!), food delivery services, multiple paid streaming services, and on. That adds up to more than $5/day.

This is a good point as well.

Man, I don't know who is right anymore!

[thatme]

I know people mention Bitcoin the way we talk about the term Kleenex (as a placeholder for all types of tissue) - but I'd sure like more discussion about whether people are considering putting some money in one of the JV-league cryptos - Ethereum or others. Is anyone hedging their crypto bets by putting some percentage of net worth in crypto spread across several types of crypto looking for the next homerun?

I would suggest you stop looking for the next homerun...

"After years of disappointment with get rich quick schemes, I know I'm gonna get rich with this scheme. And quick!"
-Homer Simpson

Getting rich slow has a much higher success rate.

I have no money in cryptos, gold, or anything else. All of my money is in Vanguard ETFs, cash, and rental real estate. It just seems like the topic comes up a lot and buying BTC seems really played out so when the idea of "gambling" money in one's portfolio is discussed w/r/t cryptos I wonder whether the smart money (assuming there is any) is looking for the next BTC, not continuing to ride the BTC wave up and down.

[dru808]

You know what to do:

Buy Forester a Starbucks coffee & a pastry, delivered by DoorDash, and immediately put the rest in Bitcoin.

viewtopic.php?p=5704321#p5704321

Lol omgoodness

[TheTimeLord]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

I disagree. Someone who spends $5 daily on coffee, is more likely to let other spending follow suit.

"Its just $5" or "Its worth the extra $___" or "I work hard, I deserve this" ...

I'd be pretty certain that there is a correlation between routine $5 coffee habits and overpriced cell phone plans (and/or $1200 phones!), food delivery services, multiple paid streaming services, and on. That adds up to more than $5/day.

I'm one who prefers Kirkland brewed at home - one of the cheapest ways to get my coffee. I maintain that frugality throughout much of my spending.

Sure, BHs aren't likely to notice $5 coffee habits affecting their lifetime financial goals, but mainstream Americans? I think so.

At least in my case your extrapolation is incorrect. I am, and for as long as I remember, have always been a know what I want and willing to wait until I can afford it guy. My observation has been people who settle for something cheaper often spend more as they keep replacing stuff until they finally get what they wanted in the first place. Personally, I never felt I deserved anything because "I worked hard", I worked hard because I want to be good at whatever I did. Over the years I have a lot of great memories spending time with people who are important to me at Starbucks, and every morning when I get my usual drink I am reminded of those times and those individuals. Never forget the people in your life are very important and sometimes it is worth $5 to get to sit down and spend 30 or 45 minutes with them and hear what is going on in their life.

[HomerJ]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

I disagree. Someone who spends $5 daily on coffee, is more likely to let other spending follow suit.

"Its just $5" or "Its worth the extra $___" or "I work hard, I deserve this" ...

I'd be pretty certain that there is a correlation between routine $5 coffee habits and overpriced cell phone plans (and/or $1200 phones!), food delivery services, multiple paid streaming services, and on. That adds up to more than $5/day.

I'm one who prefers Kirkland brewed at home - one of the cheapest ways to get my coffee. I maintain that frugality throughout much of my spending.

Sure, BHs aren't likely to notice $5 coffee habits affecting their lifetime financial goals, but mainstream Americans? I think so.

At least in my case your extrapolation is incorrect. I am, and for as long as I remember, have always been a know what I want and willing to wait until I can afford it guy. My observation has been people who settle for something cheaper often spend more as they keep replacing stuff until they finally get what they wanted in the first place. Personally, I never felt I deserved anything because "I worked hard", I worked hard because I want to be good at whatever I did. Over the years I have a lot of great memories spending time with people who are important to me at Starbucks, and every morning when I get my usual drink I am reminded of those times and those individuals. Never forget the people in your life are very important and sometimes it is worth $5 to get to sit down and spend 30 or 45 minutes with them and hear what is going on in their life.

Come on TimeLord. Don't take a generalization so personally.

Weird juxtaposition of Starbucks and what's important in life though... Nicely done...

[TheTimeLord]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

It’s a cliché that refuses to die: personal finance guru Suze Orman warned investors last week that if you “waste money on coffee, it’s like ‘peeing $1 million down the drain.’”

I disagree, and have repeatedly done so over the years. If the difference between financial success and failure is the cost of a cup of coffee, you have much bigger problems. A daily $5 latte does not amount to much in the grand scheme of life.

I disagree. Someone who spends $5 daily on coffee, is more likely to let other spending follow suit.

"Its just $5" or "Its worth the extra $___" or "I work hard, I deserve this" ...

I'd be pretty certain that there is a correlation between routine $5 coffee habits and overpriced cell phone plans (and/or $1200 phones!), food delivery services, multiple paid streaming services, and on. That adds up to more than $5/day.

I'm one who prefers Kirkland brewed at home - one of the cheapest ways to get my coffee. I maintain that frugality throughout much of my spending.

Sure, BHs aren't likely to notice $5 coffee habits affecting their lifetime financial goals, but mainstream Americans? I think so.

At least in my case your extrapolation is incorrect. I am, and for as long as I remember, have always been a know what I want and willing to wait until I can afford it guy. My observation has been people who settle for something cheaper often spend more as they keep replacing stuff until they finally get what they wanted in the first place. Personally, I never felt I deserved anything because "I worked hard", I worked hard because I want to be good at whatever I did. Over the years I have a lot of great memories spending time with people who are important to me at Starbucks, and every morning when I get my usual drink I am reminded of those times and those individuals. Never forget the people in your life are very important and sometimes it is worth $5 to get to sit down and spend 30 or 45 minutes with them and hear what is going on in their life.

Come on TimeLord. Don't take a generalization so personally.

Weird juxtaposition of Starbucks and what's important in life though... Nicely done...

I can honestly say that holding that cup in my hand, feeling the warmth and the smell of the coffee has that affect for me. Never drank coffee until I started with a friend and continued with other friends. So that association is very strong in my mind. I am sure there are plenty of things in people's lives that trigger pleasant memories. One of mine just happens to be holding and drinking a hot Starbucks latte. Basically saying great memories are often build on shared experiences.

[firebirdparts]

In my life there is this connection between coffee and money. I'm not a coffee snob, but years ago, the company sent me overseas and I lived with significant hardships for a long time. They paid me extra. I decided from then on, until I die, I would use the extra money they paid me to never drink the cheap coffee again. So far it's working.

I don't use Starbucks, though. I don't need a cup of coffee with 500 calories. I have enough problems without that.

[MortgageOnBlack]

One of my goals in 2021 is to cut-back on newly acquired (since 2020) Dutch Bros coffee addiction. I spend $7.50 a pop on a large rebel drink at least once a week (have been guilty of going multiple times). It's madness, I know. But it was one of my best memories of 2020.

Going to substitute a Circle K Polar Pop soda (96 cents) to help offset the cost.

Ideally, I would eliminate all sugar drinks but I can't find any fun in doing that quite yet.

[Dominic]

Given these three specific options, Bitcoin.

I don't see food delivery being profitable without a fundamental change, and I don't expect DoorDash to build self-driving cars before several other companies do.

I drink almost exclusively black coffee, and I prefer to brew coffee that I buy from smaller roasters to Starbucks' offerings. Starbucks is okay, but not exciting to me. (Note: I've crunched the numbers, and I'm fairly certain that I'm saving very little money by brewing my own coffee vs. buying black coffee at a shop.)

Bitcoin is at worst entertaining, and at best makes a ton of money.

Now, if "Starbucks" means "any expensive coffee," then I'll take that.

[donaldfair71]

from last year, https://ritholtz.com/2019/04/buy-yourse ... ing-latte/

I disagree. Someone who spends $5 daily on coffee, is more likely to let other spending follow suit.

"Its just $5" or "Its worth the extra $___" or "I work hard, I deserve this" ...

I'd be pretty certain that there is a correlation between routine $5 coffee habits and overpriced cell phone plans (and/or $1200 phones!), food delivery services, multiple paid streaming services, and on. That adds up to more than $5/day.

I'm one who prefers Kirkland brewed at home - one of the cheapest ways to get my coffee. I maintain that frugality throughout much of my spending.

Sure, BHs aren't likely to notice $5 coffee habits affecting their lifetime financial goals, but mainstream Americans? I think so.

At least in my case your extrapolation is incorrect. I am, and for as long as I remember, have always been a know what I want and willing to wait until I can afford it guy. My observation has been people who settle for something cheaper often spend more as they keep replacing stuff until they finally get what they wanted in the first place. Personally, I never felt I deserved anything because "I worked hard", I worked hard because I want to be good at whatever I did. Over the years I have a lot of great memories spending time with people who are important to me at Starbucks, and every morning when I get my usual drink I am reminded of those times and those individuals. Never forget the people in your life are very important and sometimes it is worth $5 to get to sit down and spend 30 or 45 minutes with them and hear what is going on in their life.

Come on TimeLord. Don't take a generalization so personally.

Weird juxtaposition of Starbucks and what's important in life though... Nicely done...

I can honestly say that holding that cup in my hand, feeling the warmth and the smell of the coffee has that affect for me. Never drank coffee until I started with a friend and continued with other friends. So that association is very strong in my mind. I am sure there are plenty of things in people's lives that trigger pleasant memories. One of mine just happens to be holding and drinking a hot Starbucks latte. Basically saying great memories are often build on shared experiences.

Clearly, keep buying the Starbucks.

[MinnGuyInvesting]

I wouldn't invest in door dash.
Grub Hub is better suited for the future in my opinion (as would be UBER Eats).

I don't get the appeal of Door Dash compared to those two or any other.



Regarding $5 cup of coffee. I love coffee, but the idea people aren't retiring because they spend $5 on coffee is a bad argument. I've always had issues with it.

If someone is buying a $5 coffee, chances are they also might be skipping a traditional breakfast. They also are probably leaving their house earlier because they aren't making their own breakfast and dealing with the commotion of cooking prior to work. This is probably helping their habits and routines for work.

If they aren't having the $5 coffee, are they brewing it on their own? Is it providing them the same experience.
That $5 cup for them may be the highlight of their day which keeps them from suffering from depression for all we know.

Disclaimer: I love coffee and brew my own with a $200+ coffee maker with a $200+ grinder. Both have served me and my wife well and have paid for themselves easily over time.

Crypto is easily the best investment in the group. Bitcoin is up like 10% today. Just 990% more to go!
https://www.bloomberg.com/news/articles ... erm-target
(Or only 490% according to this article).

[StevieG72]

I would buy the Doordash stock, it appears to be on sale.

Buying Bitcoin would be chasing performance.

Starbucks is overrated, I can make better coffee at home!

[Scooter57]

Mail order some far more delicious coffee and get a pound you brew yourself for what a couple of Starbucks coffees cost. Put the money you save into any investment you choose. Worst case you end up with how much money you have when you blow it on overpriced second rate coffee. Best case you retire early.

[z3r0c00l]

Well first of all I would make my own coffee because you have much more control over the process and can make a brew that you enjoy more, and of course to save a small fortune in the process. I would rather gamble the $1200 at a casino once a year than pay too much for coffee.

[LiveSimple]

Let me tell you a secret, just invest in Total Stock Market Index.... then every year once enjoy a Starbucks Coffee of your choice, with a coffee cake as well

[nisiprius]

...I don't use Starbucks, though. I don't need a cup of coffee with 500 calories. I have enough problems without that...

It's possible, even easy, to order black coffee at Starbucks. And it costs less than a Matcha Green Tea Pumpkin Crunch Crème Frappuccino® Blended Beverage.

An order of "a small black coffee" works. So does "a medium black coffee" or "a large black coffee." By refusing to use the Starbucks size names, you're signaling that you are clueless, and they will automatically offer you the least-dark roast they have. Worst case is Pike Place, which all Starbucks always have, which only tastes a little burned. Not half bad.

Out of politeness, if they have gone to the trouble of setting out a row of cups labeled "short," "alta," "grosso," "enòm," "gigaнтeckiy," and "galão," then, of course, I will use them.

[TheTimeLord]

Let me tell you a secret, just invest in Total Stock Market Index.... then every year once enjoy a Starbucks Coffee of your choice, with a coffee cake as well

The question is asking if you are going to waste money do you do it on something that gives you short term pleasure, a risky stock or pure speculation. I accidentally omitted a betting option.

[placeholder]

Buying coffee would be a complete waste of money for me so probably the door dash stock if I had to pick which I don't.

[ohboy!]

Make coffee at home. Doordash is severely over-valued. Buy Ethereum.