Brought to you by the Every Dollar app. Start budgeting for free today.

All right, Gabrielle is on the line in Detroit.

Gabrielle, welcome to the show.

Hi, thank you. My question is, should I apply for my first credit card so I don't have to continue paying for everything in cash.

No.

Where is this coming from?

So right now you're paying for everything with actual physical dollars?

Cash, I mean, as in, we'll get that in just money in my bank account. Like your own money.

Okay.

And so what is your fear with using your own

money from your own bank account with a debit card? Um, I guess, I mean, I know that a credit

card can help me build my credit. I do have other lines of credit open, just not a credit card. And also,

I guess sometimes it's going to sound silly, but it's kind of hard to let go of

some cash all at once. So the idea of paying it in increments by the due date is somewhat

appealing. What if I told you that that is, that's your body saying don't make a stupid

decision. When you say letting go of a lot of money at once, what would be the purchase here?

Um, I don't have anything in particular, just my day-to-day transaction.

So things like groceries, gas, maybe like a leisurely item here and there.

So you'd rather lump it all into one giant mountain and then 30 days later have that come out of your account if you're lucky?

I guess not.

That's even scarier to me because I've been there.

Yeah.

...