I Spend $98 a Year on Walmart+ (is it worth it?)

I know what you’re thinking. A frugal finance guy is about to tell me to spend money on something.

Hear me out.

My wife and I pay $98 a year for Walmart+. And even though I talk about cutting expenses for a living, this is one purchase I have zero intention of canceling.

Here is why.

What You Actually Get for $98 a Year

Before we get into the money-saving side of things, let me break down what Walmart+ actually includes.

• Free grocery delivery straight to your door with no per-delivery fees.
• Free tire repairs at any Walmart Auto Care Center.
• Sam’s Club gas discounts that add up fast if you fill up regularly.
• A streaming service included with your membership.

And more perks on top of that.

But honestly, even if none of those additional benefits existed, the grocery delivery alone would still make the $98 worth every penny.

And No, This Is Not the “Use Your Saved Time to Make More Money” Argument

I have seen this argument made a hundred times online. “The hour you save on grocery shopping is an hour you can use to make more money.”

That might be true for some people. It is partially true for me as a business owner.

But it is not true for everyone. And even in my case, saving time does not automatically translate into making more money. Entrepreneurship is not that cut and dry.

So instead of making that argument, I want to focus on something more universal.

How grocery delivery actually saves you money regardless of your situation.

The Real Reason Grocery Delivery Saves You Money

When your groceries are delivered, you are shopping from your kitchen.

That sounds simple. But think about what that actually means.

You can see exactly what is already in your fridge, your pantry, and your freezer before you add a single item to your cart. No more standing in the produce aisle wondering if you still have onions at home.

For my wife and me, that one shift has done three things consistently.

Stopped us from overbuying things we already have. How many times have you come home from the store to find you now own four cans of the same soup?

Made us more intentional about what we are actually cooking. When you can see your pantry while you shop, your meal planning gets tighter almost automatically.

Cut down on food waste significantly. Less overbuying means less food sitting in the back of the fridge going bad.

The Expensive Trip Nobody Talks About

Here is the grocery habit that quietly drains more money than almost anything else.

The mid-week return trip.

You forget one ingredient for dinner. So you run back to the store to grab it. Simple enough. Except nobody leaves the grocery store with just one thing. There is some unspoken contract that says you must walk out having spent another $60 to $80 on items you did not plan for.

Grocery delivery eliminates that trip entirely. Because when you realize you are out of something, you just add it to your next delivery order instead of driving back to the store and somehow leaving with a cart full of snacks.

The Math Is Actually Pretty Simple

Let’s break it down.

$98 a year divided by 52 weeks comes out to less than $2 a week.

Less than $2 a week to shop smarter, waste less food, and eliminate those expensive unplanned return trips.

At that point I would argue this is not even a luxury anymore. It is just a smart investment.

The Bottom Line

The Frugal Rich mindset is not about never spending money. It is about spending money intentionally on things that genuinely give you more back than they cost.

Walmart+ does that for us every single week.

If groceries are a consistent source of stress or overspending in your budget, this is one of the lowest effort changes you can make right now.