Yeah. If you have crippling credit card debt, maybe you need to not have credit cards to prevent overspending. But I doubt most people need that — they just nee

Yeah. If you have crippling credit card debt, maybe you need to not have credit cards to prevent overspending. But I doubt most people need that — they just need to treat credit cards as normal cash, where you automatically transfer money to cover all your credit card transactions each month. Lots of budgeting tools (like YNAB) do this automatically so you don’t even have to think about it.