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

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

purposefully saving, aspirationally, and even giving joyfully.

It all comes down to just four simple habits.

And there was one year in the not so long ago past that I did the experiment and you all know I do it for you because I love you I do these experiments.

I at the time of this recording I have not yet figured out what my 2024 experiment is. Little preview though it may be that

Julie runs the show. So she told me she wanted to take over Wineb and run it and I was like yeah let's try this

we've we've tried it before but this time she seemed to have a little more resolve, a little more.

There was something in the air, something in her voice that makes me feel like that might be

our 2024 experiment.

Just to recap, though, before I dive into this,

something I wanted to talk about,

as far as an old experiment, Gonna Rye,

if you recall 2023, I stopped using a credit card to be clear we still use a credit card for

the business the cash flow the like I'll say it this way the liquidity that the card allows us like just to ramp up and down it's it's really

really nice so we're not getting rid of that anytime soon. It is very hard to find a solution that has all kinds of employee expense, spending, management that is not a credit card. It's very hard.

And then if you are using some kind of debit card situation, you have to pre-fund, so you have to

to kind of guess what demand will be.

That is tricky.

And it turns out having a line of credit that every business team seems to have is very useful.

I used to think that was kind of silly, but we do have a line of credit and it is it is a credit card or two actually so in the business. We're still using them

I don't use one personally though and

...