Hello, whinabbers. My name is Jesse Meekham with another episode of the

whinab podcast and I'm here each week to obsess out a lot about spending

purposefully, saving aspirationally, and even giving joyfully.

It all comes down to just these four little simple habits, principles, rules, ways of

thinking. I got an email from

Call him Jeffrey. I'll call him that because that's what his name is. And he also

sent this to Budget Nirds and he said I just discovered your

podcast I'm catching up on old ones oh I'm curious as to why you think that people who pay

the credit card play the credit card float game have nothing in their bank account.

You are correct that if you have nothing in your bank account,

then paying the credit card float game is dangerous.

I would say if you have nothing in your bank account and you are playing the credit

card float game, you cannot not play it. You can't opt out of it until you have money in

your bank account to pay off the balance for which you don't have money. But that is not what

Jeffrey here is talking about. He says, I keep around 10 grand extra in my checking account.

Therefore, I can use a credit card to essentially use the bank's money

for an extra 30 to 45 days before I pay it off.

It's a way of gaming the system as opposed to them

gaming you. And Jeffrey I will be honest. Oh by the way Jeffrey is a proton

male user and I love that service.

I just want to say that because at the bottom of his email, it says that and I was like,

oh man, Jeffrey and I, we share something in common.

...