I find them all giant rip-offs. I make my coffee at home, and then go to work. I have a friend who is on a first-name basis with the employees at the local Starbucks. I can't imagine how much money she spends there each week. I saw a financial adviser on TV once who referred to the money that people spend at these places as the "latte factor" on your budget.

If I do occasionally splurge and have coffee out, I actually prefer MacDonald's coffee over any other chain.