This article appeared in SoFi's On the Money newsletter. Not getting it? Sign up here.

Maybe you ordered pizza this weekend. But did you get toppings and enough to have leftovers? What about a salad or other sides?

If you stuck to a plain cheese pie, you’re part of a growing trend, according to Slice, a company that provides ordering and payment services to independent pizza shops. Slice’s data shows Americans are ordering smaller pizzas with fewer toppings to keep their costs down.

“People still value pizza enough to find ways to keep it part of their week,” Slice wrote on its blog last month. “What’s changing most is the order itself.”

While pizza has long been an inexpensive go-to for many Americans, inflation-weary consumers are forgoing add-ons and sometimes delivery now that the cost of a standard-sized pie is $17. That’s been the median price for the past two years or so, but it was $13 only five years ago, according to Datassential, a market research firm for the food and beverage industry. Independent pizza shops paying more for labor, delivery, and ingredients like cheese have had to pass those costs on to their customers, according to Slice.

So what?

This Plain Cheese Economy is a signal that the middle class is making choices. It’s not a full retreat from spending, but a tactical pullback from certain conveniences and non-essentials. Order a larger pizza or a few $3 toppings and it’s easy to find yourself with a $30+ bill. Then delivery and service fees can tack on at least a few more bucks.

If money is tight, identifying the pepperoni equivalents in the rest of your budget can help you cut back while protecting your lifestyle. In other words, don’t skip your favorite things, just simplify them.

Here’s how you might apply a bit of a topping strike to other parts of your life:

•  Subscriptions: Is your Netflix subscription $24.99 because of 4K and extra member add-ons? Moving to the $7.99 ad-supported tier might be the financial equivalent of a plain cheese pizza. You still get to binge Stranger Things, but you save $204 a year.

•  Travel: Basic Economy is the Plain Cheese of the sky. You’re not going to cancel your weekend trip, but maybe ditch having a choice of seat and bring a carry-on instead of paying for checked baggage?

•  Shopping: The equivalent of skipping delivery might be looking for your favorite brand at a consignment store or on Facebook Marketplace.

•  Fitness and personal care: You definitely don’t want to quit the gym (unless you don’t go) but maybe you don't get the personal training sessions. Or instead of complex nail art you go with a basic manicure. It keeps the ritual intact while bringing the price back down to earth.

•  Other food: Eating out can be important for your social life or a necessary part of a busy routine. But there are lots of ways to trim the bill: Share an appetizer or dessert, get one drink instead of two, or meet friends for lunch rather than dinner.

•  Conveniences: Maybe you pay for someone to clean your house, wash your car, or mow your lawn. DIYing at least one could save you considerable cash, and chances are some are more critical than others.

Related Reading

America Is Falling Out of Love With Pizza (The Wall Street Journal)

Why Bread Baskets Are Slowly Vanishing From Chain Restaurants (24/7 Food Recipes via MSN)

5 Money Moves to Start the Year Off Strong (SoFi)


Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.

The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.

SoFi isn't recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

OTM20260112SW

TLS 1.2 Encrypted
Equal Housing Lender