Hello, WineAppers. My name is Jesse Mekum with another episode of WineApp, where we teach

you four rules to help you stop it from paycheck to paycheck, get out of debt and save more

money. I'm going to say something that's going to bug some of you. I don't know if this

is a thing outside of WineApp or just inside WineApp, but we will often talk about users

who are, quote, paid in full, and we'll use the acronym of PIF, perhaps. And what that

means is, and you can probably guess it, you have the cash at any moment, at any moment,

someone could just say, pay your card, and you have the cash and you pay it. No big deal.

And that's it. So you are paid in full. And it kind of means it's this way of operating

with a credit card, where in surprise prizes is what I'm talking about. But it's a way

of operating with a credit card, where you have all of your cash and you're not spending

more than the cash you have on hand. You just happen to be using a credit card as your

spending vehicle. And this is what WineApp excels at. There's some things that we're hoping

to be able to fix with, like, some confusing, almost bugs or edge cases in the algorithm

that where we handle credit cards. But those aside, when everything's just kind of working

and you're never spending more cash than you actually have, WineApp is brilliantly

good at just kind of being like, hey, it's like it's all cash. It's just all cash. It's

all good. And this allows you then to say, well, it doesn't matter what spending implement

I use, I'm just going to, you know, end up spending what my budget says. And that's

that. You don't even notice. Yeah, you have to make an extra credit card payment. You

know, your checking account has a credit card payment that's kind of always pending, but

that's not a big deal. As Neil works for us, he pointed out, hey, a lot of your stuff

in your, you know, in your checking account is already spoken for. And in a sense, that's

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