Today's question comes from Kyle in Utah. He writes, I know you recommend paying for things with

cash or a debit card, but how do you feel about digital payment options like Apple Pay, Zell, and Venmo?

It's easy for me to just pay with my phone, but it almost feels like play money at this point.

Should I stay with what's convenient but a little harder for me to just pay with my phone, but it almost feels like play money at this point. Should I

stay with what's convenient but a little harder for me to track with digital payment, or what's

more cumbersome and takes more time to deal with pulling our cash and splitting everything up?

Feels like I can't win either way. Oh, the classic millennial problem, Dave, stuck between a rock

and a digital hard place here.

This is difficult.

But this is true.

I've been seeing these videos where people feel like when it's digital or it's on a gift card,

there's so many ways they don't feel the pain at purchase.

And so I love that he's asking this question because he's recognizing this.

He's self-aware that this is a

problem for him but he's saying i you know with digital payments i do see that it's easier to spend

it's even more frictionless i mean apple paste tagline is cashless made effortless they know that they'll

get you to spend more if you can just double tap on your phone and hold it near reader you don't

even need to

pull the card out anymore. So that's pretty wild. And I know we're seeing higher levels of buy now,

pay later and all these debt issues. But when it comes to digital payments, here's my take. If you are

doing a zero-based budget and you are aware of what you're spending and you've allocated all of that,

it's okay if you do Apple pay instead of pulling out your debit card.

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