S3|E16: Breaking Down 'Tipflation'

Life. Money. You.® Podcast · Jun 24, 2026 · 32m · transcript

Tipping isn’t what it used to be — and most of us feel it. From coffee counters to checkout screens, what once felt optional now feels expected almost everywhere.

In this episode, we break down the rise of “tipflation” and what’s driving the shift — from digital payment prompts to pandemic-era habits and changing wage structures. With 72% of Americans saying tipping is expected in more places today, it’s no surprise many are feeling confused, pressured, or even fatigued.

We explore how tipping impacts both workers and consumers, why expectations vary across industries, and whether tipping has…