---
title: 'Ranking Money Habits 💰'
source: 'https://youtube.com/watch?v=oCGxx4FHgCk'
video_id: 'oCGxx4FHgCk'
date: 2026-09-21
duration_sec: 77
channel: 'Graham Stephan'
---

# Ranking Money Habits 💰

> Source: [Ranking Money Habits 💰](https://youtube.com/watch?v=oCGxx4FHgCk)

## Summary

The video presents a personal finance tier list, ranking common money habits from S to F. The creator gives blunt verdicts on everything from daily coffee purchases to ring spending, mixing practical advice with sharp criticism of marketing myths.

### Key Points

- **Starbucks is an F-tier habit** [00:00] — Buying Starbucks is rated F tier because it costs $5–$7 per coffee, while a homemade version costs about 50 cents. The only exceptions are free gift cards or birthday drinks.
- **Saving in a checking account gets a B** [00:17] — Saving money in a checking account earns a B tier because some accounts pay decent interest, and saving itself is a positive habit.
- **Credit card churning is less rewarding now** [00:29] — Credit card churning would have been A tier in the past, but current credit card rewards are not as good, so it's downgraded.
- **DoorDash is a D-tier expense** [00:43] — DoorDash gets a D tier. It's not an F only because some people are so busy that their time is better spent working than fetching food.
- **Renting vs. buying is a C** [00:43] — Renting instead of buying a home is rated C tier in the current market.
- **Homemade iced coffee is S tier** [00:43] — Homemade iced coffee at 20 cents is rated S tier, the highest possible rating.
- **The ring rule is a marketing trick** [00:55] — Spending three months' salary on a ring is F tier. The creator reveals the diamond industry collectively invented this as a marketing campaign.
- **Reusing bags is an A-tier hack** [01:09] — Reusing plastic grocery bags as trash can liners is A tier because it saves five cents per bag, which adds up over time.

### Conclusion

The video ranks common money habits from S to F tier, with the strongest criticism aimed at daily Starbucks purchases and the diamond industry's marketing myths, while praising simple savings like homemade coffee and reusing bags.

## Transcript

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
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
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
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
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
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