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Nancy's in Chicago. Hi, Nancy. Welcome to the Ramsey Show.

Hello. Thank you for taking my call. Sure. What's up?

Well, I want to know what you would suggest a person would do after the U.S. switches to a digital currency,

what should people do who currently use cash as a budgeting tool?

Well, the first thing is I'm going to suggest you quit reading so many articles on the Internet

because the U.S. is not going to switch to 100% digital.

That's the goal, people that are trying to sell gold on Fox News commercials

that are telling you that.

Because there's not the U.S.

Here's the thing, Nancy, the U.S. is about 95% digital now.

Almost all of our transactions move a digit from one account to another now.

If you write a check, it's a digit.

It's not cash. If you use a debit card, it's a digit, not cash.

If you have direct deposit from Social Security or direct deposit from your work, it's not cash.

It's a digit. Those are all digital transactions. If you buy a house and you wire money from your mutual fund to your closing attorney, it's a digit. Almost if you buy a car these days, I bought a car there. They wired money to the dealer. It's a, it's a digit. I didn't walk over there with a suitcase of cash. And so the vast majority of transactions, 90-something percent of them, probably north of 95 percent in the U.S. are already digital. But is the U.S. going to do away with the greenback, and not in my lifetime or yours?

I sure hope you're right, because I've been worrying about this because I'm a person

that can't have a credit card because if I spend money just by swiping, it doesn't register

with me and it will just evaporate.

I'm a person that has a redneck emergency fund in my front pocket.

It's a thousand bucks and $100 bills I've carried it most of my life in my wallet. And so I'm with you. I'm a cash

dude. And I'm not above walking up and actually making somebody learn how to make change for the

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