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now one other tip Ill give you is I dont own a debit card Ive never owned one Ive never allowed my three sons to possess one certainly and truly the worst Financial tool ever given to the American Consumer so a long time ago I asked myself a simple question how would I remove 99.9 of my personal liability like that because I really dont want to worry about all these things so I use the safest form of payment that exists on the face of the Earth and that is a credit card credit card Visa Mastercard American Express Discover card not debit credit but credit card every day of my life I spend their money I dont spend my money my money sits in a money market account it earns interest actually nobody knows where it is because its not exposed to anybody to find it its just sitting there I go to the dry cleaner I give my card I pick up the groceries I give my card I put fuel in my boat on the weekend I use my card I pay the marina to keep my boat in the water all year long they put th