The 70% Convenience Tax: Why Delivery Apps Keep You Broke

The delivery app on your phone isn't just a service. It is a luxury convenience tax.
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When you order a $15 burrito through a delivery app, you are never just paying $15. You are paying a hidden menu markup (because restaurants raise prices on apps to cover their own app fees), a service fee, a delivery fee, and a tip. By the time you reach the checkout screen, that $15 meal suddenly costs $26.
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You just paid a 70% markup for the convenience of not driving 10 minutes down the road.
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If you do this twice a week, you are losing hundreds of dollars a month strictly to convenience fees. It is the ultimate invisible drain on a budget, because the marketing is designed to make you focus on the food, not the friction of the transaction.
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We are socially conditioned to view these apps as standard utilities rather than premium luxury services. But when you look at the raw math, funding your convenience is actively preventing you from funding your wealth.
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The easiest way to give yourself a raise this month isn't to ask your boss for more money. It's to delete the delivery apps from your home screen. Force yourself to go pick up the food. The friction will either save you the 70% markup, or convince you to just cook what you already have in the fridge.
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SimpleFinances 2.0 is coming — featuring AI tools that automatically categorize and tally exactly how much you are spending on convenience fees every month. We are currently offering a 14-day founder's trial for early adopters.
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Reserve your spot for SimpleFinances 2.0 at SimpleFinances.co
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Stop paying a premium for the couch. SimpleFinances.co
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