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Let's go to Kelly in Indianapolis, Indiana, Kelly.

How can we help?

Hi.

I have been kind of following the range you plan for just trying to follow it for maybe about a year or two but i just

have one last credit card i just can't quite seem to get rid of i don't have a balance but i'm just

trying to convince myself to actually get rid of it i love this and kelly Kelly, I break this down on the new book into eight different characters.

So can you tell me which one you fall into?

Is it out of fear?

Is it for the rewards?

Is it the convenience?

What is causing you to go, I can't cut this thing up?

I feel like it's more like the, maybe the pressure of, like, everyone said, like, you should

always have one because you never know if you're going to get stuck in a situation where

you're going to need it.

Okay, so for you, I'm going to call you the emergency shelter.

That's the sixth personality in the book.

I need my credit card in case of emergencies, right?

Probably, yeah.

Okay.

Well, let me tell you, there's a way better emergency fund, and it's where you become the bank instead of Capital One.

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