Carter (Caller)

if I need to have, you know, you're saying 20% down of the total house or 20% of my income.

Yeah.

And with the current market, though, that things are kind of not stale, I guess, yet.

But you don't think I should go now or I should wait a while?

So I'm a little nervous to say this to Dave Ramsey himself, but I typically use credit cards for all my day-to-day transactions.

What?

I know, I know.

I'm actually wanting to switch over to cash, but every time I do switch to spending with cash, it seems like I actually spend more, even if I do stay within my budget.

For example, if I'm at the grocery store and I have, say, $50 left in my budget towards the end of the month, if I'm using cash and it's sitting there in my envelope, I'll go and grab a couple of steaks, maybe a case of beer or something.

Whereas if I'm using a credit card, already knowing that I've racked up

400 bucks on this month's statement, it really keeps me away from, you know, spending that little extra money and making that statement hurt that much more when it comes in the mail.

So my question is basically, how can I kind of get over that mental hurdle and switch to using cash so I don't have to do business with people like Visa and MasterCard?

Oh, no.

I more meant one or the other, not both at the same time.

Yeah, that put me over $50.

I'm like, that's kind of expensive.

My default setting is very frugal.

I'm well under my means as is.

Maybe I'm just, you know, getting too nitpicky about it.

Yeah.