We kept a ledger on the fridge where we credited my allowance and debited my purchases on my mom’s credit card. I didn’t have a smartphone but I could text. Ar

We kept a ledger on the fridge where we credited my allowance and debited my purchases on my mom’s credit card. I didn’t have a smartphone but I could text. Around 14 I wrote a little Rails app that would receive transactions via SMS from Twilio. We never ended up using it but it was fun to write. Shortly after that I got a joint checking account with a debit card in my name. Not surprised at all.