Your coffee order might say more about your money habits than you think. From cold brew fans to home brewers, find out what your daily cup reveals about your spending style.

Decoding Your Coffee Order: Insights into Your Spending Habits

Your morning coffee isn't all about the caffeine—it may say more about your financial habits than you realise. Whether you're a faithful regular at your corner café or brewing at home, how you take your coffee can reveal some surprising things about your spending and saving habits. Here are six popular coffee orders—and what they may be saying about your money style.

The Black Coffee Drinker: Spontaneous and Frugal

If your default is straight black coffee—no sugar, no cream, no frills—you likely take the same no-nonsense approach to your finances. You don't do fluff, and you're not influenced by trends. You like simplicity, and you likely steer clear of unnecessary spending.

You're the sort who has a clue how much money is in your bank account at any given moment. You're down-to-earth, likely adept at living within a budget, and more interested in long-term plans than short-term gains. You might not clip coupons, but you appreciate the benefits of small, steady savings, just like your ordinary cup of no-frills coffee.

The Fancy Espresso-Based Order: Treat-Yourself Spending Style

You know what you are: oat milk lavender latte, extra whip on the caramel macchiato, or that once-a-season drink with a name too long to put on the cup. If that's your thing, you probably have a "you only live once" mentality when it comes to money spent.

You're willing to spend a little extra money for what makes you happy, even if it's not necessarily the cheapest alternative. And that's fine—just as long as you're offsetting those little treats with some fiscal sensitivity. You may have a weakness for impulse shopping, but you're also one of those people who appreciate experiences and pleasure. Just maybe forgo the third latte of the day.

The Home Brewer: Frugal and Resourceful

If you brew your coffee at home each morning, chances are you're the type who keeps an eye on the small expenses, because you know they add up. Whether you're grinding your own coffee or just using a simple drip machine, this is a habit that indicates discipline and a preference for function over flash.

You likely brown-bag lunch at work, keep tabs on your expenses, and mentally tally what's worth splurging on and what's not. Home brewing indicates that you prioritise comfort, reliability, and conserving dollars where they matter most. And you may quietly get to appreciate the pleasure of having just brewed a better cup for less than half the cost.

The Drive-Thru Regular: Convenience Over Cost

If your coffee routine involves a drive-thru every morning, chances are convenience plays a big role in your spending decisions. You’re busy, on the go, and probably juggling more than a few responsibilities. Grabbing coffee at the same spot each day is quick, reliable, and part of your routine.

The catch? You could be paying more in the long run than you think. Although a few dollars here and there don't add up to much, they can creepily take their toll on your budget. Yet you appreciate efficiency—and if you know where your money's coming from, you can normally make it do. 

The Cold Brew Fan: Trend-Focused Spender

You’re not just drinking coffee—you’re making a statement. Cold brew, nitro, shaken espresso—these drinks tend to appeal to people who follow trends and aren’t afraid to try something new. Your spending habits likely reflect that same mindset: you’re open to experiences and often influenced by what’s current or cool.

That doesn’t mean you’re careless with money—it just means you’re more of a “treat now, budget later” type. If something feels worth it, you’ll find a way to justify the cost. Financial planning may not be your strong suit, but you’re savvy enough to recognise when it's time to rein things in.

The Decaf Sipper: Cautious and Thoughtful

Ordering decaf by choice? You're a special kind, and it says a lot. You consider your actions carefully, and that includes money. You're likely more risk-averse than most, and your spending habits reflect a need for balance, security, and predictability.

You probably have financial goals, an emergency fund, and perhaps even a spreadsheet or two. You're not the first to latch onto a trend, but you're seldom surprised when bills arrive due. Some may call you too cautious, but let's face it, being prepared is never a bad idea.

After Knowing Your Coffee Money Personality, Use A Wage Advance 

Your coffee order might not define your entire financial personality, but it can offer a little peek into your daily choices and priorities. Whether you’re all about convenience, indulgence, or control, those habits often show up in more than just your morning routine.

So the next time you're in line or making a cup at home, consider what your order of choice is communicating—not only about your coffee tastes, but your attitude toward money. And when all else fails, you can always turn to a wage advance app like Wagetap. Get your pay early and borrow up to $2,000 by checking the app now on the App Store or Google Play.

For additional help in improving your spending habits, you can always download Wagetap. It is a leading wage advance and bill split app that allows you to access your pay early. Emergencies can always happen and Wagetap can help you handle life's unexpected expenses.