[00:00] buying Starbucks. You want to piss me off? That's an F tier. I don't know why people do it unless you got a free gift card or it doesn't cost you any money because you go on your birthday, but otherwise they're charging you like five to seven dollars for a coffee. You could make yourself better at home for like 50 cents. Saving money in a checking account. I'm going to give
[00:17] that a B tier because some of the checking accounts out there right now actually pay you a pretty decent amount of money and saving to begin with is just thumbs up for me. So B. Credit card churning. You know what's funny? I would actually have given that A tier because
[00:29] it used to work really well, but right now credit card rewards are kind of not the best. DoorDash. Now I'll give that one a D. And the only reason I'm not giving it an F is because some people are genuinely so busy that their time is better spent working than going and getting food. But
[00:43] for everybody else, it would be an F. Renting instead of buying a home. C tier right now. Homemade at 20 cents iced coffee. S tier. Spending three months salary on a ring. F tier. Are you
[00:55] kidding me you know who came up with that was the entire diamond industry they collectively got together and they said what's a good marketing campaign three months of your salary you should reprioritize your life if you fall for that marketing trick reusing plastic grocery bags
[01:09] as trash can liners a tier it's going to save you five cents every single time you throw out your trash and over time that adds up