Hi klaatu always interesting to see what you will bring up.
I to for a long time when cash only.  I do keep a card in the glove box or bring it traveling but I find I spend less if I just use cash.

Also if you can -- I really enjoy many of your topics.  -- Might you get a better headset sometimes its hard for me to hear exactly what you say.  (Audio quality between Jupiter broadcasting and Dave Morris quality would be greatly valued.)