The correct answer is D. Buying coffee in the morning.
Step-by-step explanation
Programmed spending behavior is a term used to refer to a purchase that is going to be made and that will not mean any future investment for the person who makes it, this means that the person pays money and has no profit in the medium or long term, as the name implies is only an expense. On the other hand, the fact that it is programmed means that it is a concurrent expense for a person, for example, public transport, the coffee we drink in the morning during work or study, buy a drink in the afternoon, or buy a lunch every day, this will only satisfy a momentary need, however it will not mean an investment of money that brings a future economic benefit. So, the correct answer is D. Buying coffee in the morning.