@Anonymous wrote:Hi, guys and gals.
Since I primarily use 2 credit cards for everything, AMEX BCP and Citi DC (and sometimes Target MC), I rarely (if ever) use cash (but my wife does).
For the new year, I am thinking of going completely cashless and just using cards.
I also don't pay for anything with my phone and do not want to.
I am curious about how many others do not carry ANY cash and do not pay with iphone apps, and whether this has proved to be a problem in any meaningful way. What is the worst that has ever happened with you?
My wife thinks that I should carry at least $20, but I really prefer to keep my wallet (Bellroy Slim Sleeve) as thin as possible.
This is, I admit, a little off-topic, but please share your thoughts/experiences.
Happy Holidays, by the way !!
I don't usually carry cash OR cards - I'm all in on Apple Pay when I can. Many days I leave the house with no wallet at all, or a single card. That said, both are still absolutely needed, even in 2020 as these are my blockers:
1. Cash - one of my preferred local diners and Italian restaurants nearby both are cash-only. If I want to partake in their deliciousness, I better bring the Benjamins (or Jacksons, as the case may be).
2. Card - some restaurants don't have the pay-at-table mobile devices yet, so they still need to run a card. Guess I shouldn't be surprised given there's some restaurants that still don't even take card. There's a few bigger places that still don't do mobile pay either. Seriously Chipotle, how can YOU still not take Apple Pay in 2019?
There is also one big pro to not carrying cash: I'm not lying when I tell the "homeless" beggars that I have no spare change or cash. Most of them around here see me enough now to know to stop asking anyway, but it's still a nice hedge to have. I'm waiting for the day when I'm like "sorry pal, no cash" and one of them says "that's ok, I have Square now" in response.
Back in the day one local bank had an ATM called Fast Cashier. It was a novelty. People would line up to use it for fun. My dad and I were driving past one location when he remarked "look at the people standing in the rain waiting to play that machine and try to get some of their money back. Why did they put their whole paycheck in the bank to begin with?"
Obviously that was a bazillion years ago as people received paper pay checks, took them to the bank and got cash out from the human teller for walking around money. Bills were paid by personal checks.
I still smile when I see someone playing a machine trying to get their own money 
I do not carry any cash with me, but I do keep $20 in my center console along with several hundred in each go bag. Ideally I’d like to completely ditch all physical forms of payment and ID, but I don’t see that happening anytime soon. For now I just have a simple wallet case for my phone that carries 1 credit card, my license and a backup keycard for the car.
