>> 1. Self discipline. Plastic (debit or credit) lets you spend more than you should. Cash doesn't. > Never understood this idea. If you have a wad of cash and

>> 1. Self discipline. Plastic (debit or credit) lets you spend more than you should. Cash doesn't. > Never understood this idea. If you have a wad of cash and you're bad at tracking your spending, don't you just go through all of the cash and are doubly fucked? A wad of cash is tangible in a way that a number in an account is not. If the wad is thick, you're in good shape. If the wad is thin, it's time to slow down your spending. And when the wad is gone, you're forced to stop even if you didn't want to.