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This sort of “convenience” is one reason the average credit card debt is over $8000. I also noticed that a schoolteacher pays $5-something every morning for coffee and a bagel. How much you want to bet he whines about being underpaid?

I'm basically a part of this generation, though I'm 26 and they talk about 18-25... I've been this way for years now... Pretty much since I started working in college. It's to the point where I strive to have under $10 on my person at any one time, preferably less than $5. I do it for many reasons.

The biggest reason is that it is so easy to track my spending and since it hits my account immediately, I never worry about missing something. I hate checks. They are the bane of my existence. I have to carefully track them and it's always checks that get me the overdraft fees.

I hate cash because I never know how much I have. It's living in limbo for me. It always seems like I have a ton of cash and then I look and I have none and I never know where it went to. And I also shun cash because whenever I have cash, I just want to eat out of the vending machine all day at work.