Dave Ramsey

in Silicon Valley and we're staying.

Okay, either one of those is fine.

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Might not be in all states.

My goal is simplicity and convenience when in reality I use a debit card for my recurring and I use debit card for purchases.

And that is more convenient and more simple.

Because I don't have to pay a bill at the end of the month.

Even if you're paying it off at the end of the month and not in debt, if you're paying it off in full, it's still not the simplest way.

The simplest way is a debit card.

Yeah.

And I don't think this guy is going to be in that super high percentage because he's a frugal guy.