Owen Rascovitch

Yep.

And one more thing that we've, we could probably could have talked about a bit earlier, but is the emergency fund.

So I call it a go bag.

We have kind of your money put away for your living expenses.

Again, you really don't want to be using that for, that's for emergencies.

It's not for a holiday.

So you don't want to be using that for that.

You want that to be there when you get back, just in case, you know, something has changed and you do need that money.

Yeah.

What people will do, and I'm not, again, this is not me saying hooray for credit cards, but what people will do is they will take a credit card with them overseas with a zero balance, zero fee.

And sometimes they have pretty good currency conversion.

Take a credit card with them overseas.

It's kind of like an emergency.

So you would have...

You'd have your transfer reloadable cards or your cards from one of these or one of these apps, the new modern apps that you can transfer money instantaneously with.

You'd have one of them.

You'd be paying.

But then let's say your phone gets stolen or you max out your card because an expense come up that was bigger than what you thought.

You can use your credit card and you can whack that on.

yeah absolutely again it comes back to what we said earlier on if you are a regular business traveler you might also get things like insurance better deals on hotels those types of things and some credit cards also after travel insurance if you book for the trip on that same card so that's a thing so even if you do have it so another common conception that people have is you know i'm a i'm a high roller i fly overseas all the time i've got my credit card i'll just book on that it's