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The Truth About Tipping Culture in America

Episode Summary: In this episode of Financial Advisors Save the Darndest Things, host A.B. Ridgeway delves into the contentious issue of tipping culture in America. Drawing inspiration from Candace Owens' and others' perspectives, A.B. challenges the societal norms surrounding tipping and examines its implications through a Christian lens.

Show Notes:

  • Introduction (00:00:00 - 00:02:26):

  • A.B. introduces the topic of tipping culture, highlighting the widespread practice of tipping in America and its impact on both consumers and service industry workers.

  • Reflects on personal experiences and societal perceptions regarding tipping. Tipping: A Self-Imposed Tax? (00:02:26 - 00:04:55):

  • Candace Owens' perspective on tipping as a self-imposed tax is discussed.

  • A.B. reflects on how tipping has become a societal expectation rather than a gesture of appreciation for exceptional service.

  • Raises questions about the fairness and sustainability of tipping culture, particularly in light of low wages for service industry workers. Challenges and Inconsistencies (00:04:55 - 00:07:36):

  • A.B. examines the inconsistencies and challenges within tipping culture, including unexpected places where tipping is expected.

  • Discusses the pressure felt by consumers to tip, even in situations where it may not be warranted. The Employer's Responsibility (00:07:36 - 00:09:37):

  • Explores the role of employers in tipping culture and the ethical implications of relying on customers to supplement employees' wages.

  • Raises the question of whether businesses should prioritize fair wages for employees over relying on tips. Christian Perspective on Tipping (00:09:37 - 00:09:51):

  • A.B. encourages listeners to consider tipping from a Christian perspective, emphasizing principles of fairness, generosity, and stewardship.

  • Encourages reflection on how tipping aligns with Christian values of justice and compassion.

Conclusion: A.B. concludes by urging listeners to critically evaluate tipping culture and its impact on society through the lens of Christian principles. Encourages thoughtful consideration and dialogue on the topic.


  1. "Should I really pay 50 percent more to have great service?" - A.B. Ridgeway

  2. "Oh, OK. We're expecting you to pay thousands of dollars for your wedding dress. And here's an additional fee for simply trying it on, having us do our jobs and assist you while you're trying on a wedding dress." -Candace Owens

  3. "If you're going to tip or like to tip, make sure you allocate funds to that side of it or at the end of the month, you'll be wondering, where did all my money go?" - A.B. Ridgeway


  1. Tipping culture

  2. American tipping norms

  3. Restaurant fees

  4. Health surcharge

  5. Service gratuity

  6. Customer tipping fatigue

  7. Mandatory tipping

  8. Tipping etiquette

  9. Candace Owens on tipping

  10. Dave Ramsey tipping advice

retired couple reviewing their investments


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About Financial Advisors Say The Darndest Things Podcast:

As Christians, we were taught to be good stewards over our tithing and giving to the less fortunate. But when it came to our personal finances and investing we were left clueless on what the Bible says. What does the Bible say about managing debt, leaving a legacy, investing, and planning for your retirement? Mr. Christian Finance answers these and many other questions because we want to teach you how to become rich and righteous!

Meet A.B. Ridgeway:

A.B. Ridgeway with his hands up

A.B. Ridgeway, MBA ( is the owner and Christian Financial Advisor with A.B. Ridgeway Wealth Management. With a decade in the finance industry, his goal is to give believers clarity around the most confusing topic in the Bible, money, and tithing. A.B. Ridgeway helps tithing Christians become cheerful givers but unlocking their money-making potential, so they can prosper and be the great stewards of the wealth God has entrusted them with.

*Disclaimer: This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. This is strictly for information purposes. We recommend you speak with a professional financial advisor.

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