Updated on 06.05.14

How Much Cash Is Appropriate To Carry?

Trent Hamm

GeorgeEven though I cover almost all of my expenses using plastic, I do tend to keep a small amount of cash in my wallet to cover emergency situations, tips, and such things. This seems to be a regular thing for many people – most people seem to have a bit of cash tucked away for just such purposes.

Here’s what I keep tucked away and why:

Four $20 bills This is enough to cover almost every cash-based emergency that I can think of, such as paying a tow truck.

Four $5 bills and five $1 bills I keep these for tipping purposes, for dining and drink service, for example. If I know I’m going to be traveling, I up this amount quite a bit.

Other than this, I essentially don’t carry cash any more – my regular purchases all happen on a pair of rewards credit cards (between the two, I get between 3% and 6% cash back).

The question really comes down to risk: is this more cash than I should be carrying at any given moment? Given the benefits of having the cash when I need it, it’s a risk that I’m willing to take – the odds of a robbery in the area where I live are so low that it’s almost a non-factor.

In fact, the biggest risk of having this cash on hand is a temptation to use it. I sometimes think of it when I see a frivolous purchase and I attempt to justify using that cash for things I don’t really need.

To solve that, I generally tuck this cash into a pair of tiny pockets in my wallet so that they’re hidden from regular view. Then, when I actually need the cash, I am reminded of it, but during most normal activities, it never comes into my mind.

What’s your “cash on hand” policy?

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  1. David says:

    While I dont carry cash too much anymore, I do keep a good chunk at home in case power was out for an extended period of time or an emergency came up. You never know!

  2. Amber Yount says:

    I never carry cash anymore, unless someone gives me cash for something, such as a sale, and it’s too low to make a trip to the bank..I don’t even remember what cash looks like. I heard the saying that if you carry cash, your less likely to spend it than using a debit card because its there, however for me its exactly opposite. I know the money in my account is there for bills only, therefor if I’m handed 20 bucks, I think I don’t “need” it for anything, and tend to spend it on junk.

  3. acidspit says:

    @ Amber: I’m exactly the same way. When I have cash, I tend to spend it for one reason or another! Suddenly a cup of coffee sounds do-able with cash, whereas if I had to pay for it with my debit card, I would never squander money on such a thing.

    I generally carry no more than $20-$40 with me at all times. One $20 bill is tucked away in a zippered compartment, and the other $20 is used most often for parking and for valet tips (I live in LA). I’d say I pull out cash once every three to four weeks in increments of $40.

  4. Mitch says:

    Varies–probably $5 to $40 except traveling, at least $40 if driving somewhere to drink and dance (i.e. extra in case cab fare is indicated). Always good to keep a few dollars on hand for a can of pop, snack, etc. Used about once a month but good to have. Always take LOTS of $1’s while traveling as well as some $20’s.

  5. lizard says:

    I tend to carry $20-40 unless I know I’m going to need it (traveling, splitting a restaurant bill with friends). I’m tempted to use it more for irresponsible purchases, because it won’t show on the credit card statement, so my sweetie won’t ask about it. But the one time I gave into that urge, I felt so guilty, I told him anyway.
    I also keep $10 hidden in the car for I don’t know what. It’s too little to be useful in any real emergency.

  6. s says:

    For me cash means I can buy stuff and not be reminded of it later when I look over my expenses. It tends to get spend quickly and freely. Credit cards (and debit/checks to a lesser extent) are my automatic money tracking system that guilts me out of buying useless crap.

    That said, I usually have $20 tucked in a hidden part of my wallet, so I don’t generally acknowledge that it’s there. Besides that, I try to keep cash far away from me.

  7. dong says:

    I basically withdraw 60-80 – rinse and repeat. So i never have more than 80 unless people paid me cash for something, and every couple days will have 0.

  8. Laura says:

    I do the same thing with the cash that I carry. I ‘hid’ behind my student ID. It helps me not use it carelessly and yet it’s there when I need it.

  9. Cheryl says:

    I don’t carry a lot of cash either. I have a “secret 20” hidden in my wallet for emergency, and other than that, I normally only have $5-$10. Unless I know I am going somewhere, I try to keep it low…and make it stretch as long as I can…!

  10. I always keep an extra $20 in the car for gas or whatever else may come up when I’m with my car. I tend to be really good with the money in my wallet and don’t spend it. I have thought about hiding a $20 in my cell phone for an emergency.

  11. Jerry says:

    I carry $1’s and $5’s in my glove compartment for parking, valets, etc. Other than that, I only carry two $20’s in my wallet. In the rare case that I spend the $20 bills, I put any resulting change/small bills in my glove compartment and replenish my wallet with new $20 bills.

  12. Ed says:

    I travel a lot (over six months out of the year)and will have no less than $120 at any given time, in 5 $20’s, 1 ten a five and the rest ones. It can last as long as two months in my wallet without me spending any of it. I have had little emergency’s that the money came in real handy like getting a ride to the border from inside Mexico at 4 AM, (don’t ask). My daughter used to help herself to it but has since broken the habit.

  13. junger says:

    I don’t carry any cash. 95% of the time it works fine, 5% it becomes an issue.

    Gotta love debit cards.

  14. kelly says:

    not sure why I feel compelled to divulge, but…

    I have 2-3 stashes of cash with me at any given time.

    #1: spending cash. I pull $40 out of the ATM once, sometimes twice a week, and try to use it for the majority of my purchases. I spend WAY WAY less in cash than with a debit card.

    #2: some of the cash from my 2nd job: I usually carry around $100-$150 from my second job “fund” in case I want to buy some clothes. All of my cash from the second job is for clothing/makeup/haircuts, and I never want to feel deprived of cash that I workseperate hours to not feel guilty about spending.

    #3: some of my cash from my 3rd job: well, I’m not sure what my plan is with this just yet. So far I have saved almost all of this money and have only used it for re-investing in work-related wants.

    I know that it seems silly to people to use actual money from actual piles to pay for specific things. Many people have suggested just “putting it all together” but I know that this works for me. Specific jobs for specific expenses.

  15. guinness416 says:

    I used to carry no cash. Then the big blackout came along (had to walk home to Queens from Manhattan in what felt like 150 degree heat, and very little water available for sale). Now I try to make sure I have a few bucks on me at all times, but it’s hit and miss. I do have a drawer full of change in my office though.

  16. crankywench says:

    I take out a lump sum of cash once a month from the ATM (to save on service fees). Since I know that’s my “cash allowance” for the month (occasional lunches, coffee, a beer out), I keep a close eye on it. I find it’s easier to work this way than to use an ATM debit/credit card… easier to keep track of funds, and less I have to double-check against receipts and the bank’s records.

  17. SJean says:

    Usually, none. I go to the bank ATM when I know I’ll need it (laundry, bars, movie rentals or paying someone back).

    I think I should perhaps carry an 20 for surprise situations, but I would end up spending it and not replacing it I think.

    Tow trucks really only take cash? I barely use anything but credit.

  18. MikeVx says:

    I will have between $20 and $160, depending on the planned expenditures over the next several days. Plastic is held to a minimum. Usually on-line stuff and the occasional oh-frack-I’m-out-of-cash moment. One exception is I use Speedway pre-paid cards, they give a 2 to 4 percent premium on purchase ($100 of card credit costs $96 to $98, this changes periodically). That combined with a rewards card that never registered correctly (it works, but no name is linked to it) saves me some money on gas for the car.

    Basically, I try to live my day-to-day life on a cash basis. My debit cards are on dedicated accounts to keep from wrecking my primary checking. The credit card is emergencies and untrusted on-line vendors only (disposable number system).

    And yes, I have an emergency fund, but it is at ING, and it takes a few days, hence the credit card as a shock buffer for “payment-NOW” moments.

  19. Juanathan says:

    I carry an extra $100 at all times tucked into the back of my wallet. It was something I was taught a long time ago. If I ever have to dip into that cache, I replenish it next time I get cash, as if it was never touched.

  20. MSG says:

    It’s funny, I used to be like the rest of you and only carried little cash. Then one day I had an epiphany. I realized that using my ATM/debit card didn’t give me enough feedback on my spending and I regularly blew through my monthly entertainment/food/misc item budget. I switched entirely to cash.

    Every Friday morning I take out a fixed amount. For me it’s $200. That’s it for the week. (I have a family of five.)

    I take it out on Friday so that I have money for the weekend. Once Sunday comes, I check how much I have left and can be as frugal as I need to be.

    I have rarely blown my budget since I started this practice. It has the added bonus of simplifying my checkbook as I only use the ATM one a week.

  21. N'Awlins Kat says:

    Wonder if this is a generational thing? I write checks for almost everything, never use a debit card, to track my expenses. But I also usually carry a minimum of $50, sometimes up to $150. However, being cheap, it usually stays in my wallet. I cash a check every two weeks for hubby and I for our “mad money” that we don’t have to account for. Usually, I wind up squirreling most of mine away in an envelope when the following payday rolls around. Or he winds up getting my cash the following payday because I still haven’t spent it. I’m the keeper of the checkbook, though, and write 95% of the checks. He usually sticks me with the rare restaurant bill, though, and we (I) pay cash for that, since it’s a treat. He makes the money; I spend it. It’s equitable. :) I’d be scared to death to wander around without cash, though, even if I often don’t spend it.

  22. brent says:

    who uses cash?

    what for?

    I would probably go a month without using cash.

  23. You know, I should carry about $50 in cash around to cover all the times I end up at places that don’t take charge, but usually I’m lucky if I have $5. Most often I’ve got a few coins and perhaps a folded up dollar in a pocket I forgot even existed. Luckily enough, most places take charge these days.

  24. feonixrift says:

    Lump sum from ATM for week, long-term budgeted to fit average food etc. expenses neatly, plus emergency funds for at least a week at home, with attempts to save a little from the weekly just to keep frugality sharp. Easy to track – ATM use keeps the amounts consistent. Easy to not overspend – I know how much I should have in my pocket each day of the week, and if I’m below that I know I’ve done something out of the ordinary.

  25. Anon says:

    What reward cards do you use, Trent? My VISA tops out at 1-3%. My Mastercard offers nothing, so I only use it for rental cars (it has built in insurance so I can wave the LDW).

  26. FrugalZen says:

    I guess I’m on the WAY Opposite side of the spectrum from most everyone else. While I use a Card that has a Cash Back option for most purchases I also carry a significant amount of money on my person…usually in the area of $3000.

    I’ve found that the REALLY Great deals are on the items that cost more than several hundred dollars and when you stand there waving a stack of hundreds you can get a substantial discount…especially if you DON’T have to run to the bank…When you pull the money out immediately they KNOW you’re Serious.

    It’s also a lot of fun to see a Salesman Drool..}:~D.

    ~ R

  27. Matt says:

    I’ll probably grab $100 out of the ATM on sunday or monday and use that money throughout the week for things like smokes, lunch and the little expenses. I find a lot of merchants in my area charge a fee for using plastic or don’t take it with small amounts (typically less than $10). I just find it easier to have some cash at all times.

  28. Kenny says:

    The lovely Mrs. McKane only lets me have one single (dare I say one simple?) dollar at a time. Cash burns a hole in my pocket. But I do get the credit card for gasoline purchases.

    I enjoy using the American Express cards, because those charges are broken down by name. WHen my wife accused me of spending too much at some store, I was able to defend and free myself by pointing out that that charge was made with HER card. Then she remembered spending that money.

    That was maybe the only time I ever “won” a discussion.

    Yeah, so the American Express card really comes in handy sometimes…

  29. Kathy says:

    I take out around $200 per biweekly payday and spend accordingly. Sometimes I need more, sometimes less. Almost never use credit cards unless it is a dire emergency.

  30. SwingCheese says:

    Unless I’m going to a place where I know I’ll need cash (farmers’ market, etc.), I never carry it. For some reason, cash feels “free” to me, and I don’t have to account for it when I’m checking my online banking statement. I tend to fritter it away on things like coffee. My husband is the opposite – he prefers to have cash on hand (usually about $20), and uses his debit card as little as possible (but that could also have something to do with the frequency with which I check the online banking, and how often he hears questions like “What did you spend $5 on yesterday?”).

  31. John says:

    I carry $0 which annoys my wife to no end, as I am always asking her for cash in situations where it is required (carnivals, etc.). I put everything on plastic to reap the rewards and pay it off every month. Cash is so yesterday! :-)

  32. Christine says:

    On another note, has that Facebook link always been at the top of the screen?

  33. elizabeth says:

    what credit card do you get 6% cash back on? I’m in the market for a new one.

  34. patrick says:

    I always carry cash on me, at least $100 at a time, I’m so used to cash now that I never use a debit card anymore. =)

  35. rstlne says:

    I carry lots of singles because of Where’s George. Also some fives and tens just in case.

  36. Bill says:

    I think it’s more an issue of convenience than of generation.

    I used to use cash a lot before using a credit card became so very easy.

    Nowadays there are often no minimums on credit card charges.

    I pay $1 (plus tax) via a credit card swipe to rent a DVD at a Redbox kiosk.

    And all the “pay at the pump” gas stations here use a satellite datalink to verify your credit card.

    So if there’s power to pump gas, there’s power to the satellite link (even if the phones are down)

    As the NYC poster noted, even if you have cash, in an emergency there’s often little for sale.

    Better to stash bottled water (sorry Trent!), energy bars, walking shoes and a casual change of clothes in your office.

  37. Michelle says:

    I don’t carry any cash, maybe a few bucks if someone owes it to me and pays me back. This has backfired once in a while, but there is always an ATM nearby in a real emergency.

    I have also found that by only using my card I am not subject to the lost change that most people have to force themselves to put in jars. I am only charged for what I spend and do not have to keep track of change.

  38. AZ2020 says:

    For all of you who don’t carry cash, you’re a pain in the A*S… I hate standing behind you in line while getting lunch, getting coffee, in the convenience store, etc etc. And, I really, really hate it when we go anywhere and you never have a dime on you (wife). The best is when you go out to dinner (splitting the bill between multiple people) and you have two people who say “oh, I have my debit / credit card”. Yeah, thanks again that’s great… Really, thanks for coming.

    Please, please, carry some cash so the rest of the world doesn’t have to wait behind you in line while you dig through your purse / wallet to pull out your debit card to buy a pack of gum.

    I work in NYC and encounter this multiple times a day… I hate you all.


  39. Up until my July all cash experiment, I usually only had 20 bucks or so at a time.

    I did find that paying cash for groceries, definitely kept me spending less. I have to run the numbers, but I also don’t think that having ample cash on me all month made me spend more.

  40. N'Awlins Kat says:

    @Bill–On reflection, it seems to be a case of where you live. I can see why there’d be no reason for cash in a major metro area, where a lot of you seem to live. I’m in the burbs–no public transport, nearest store and ATM are over a mile away. Many stores in the area I live in don’t take plastic for purchases under $5, either. To me, cash feels the most “real,” and I’ll hang onto it till my knuckles turn white. Checks leave a paper trail, so they’re “real,” too. Every time I open the checkbook, I see the expense written down. Credit cards don’t do that for me. And I decided against ATM machines after a rash of holdups at the machines. So that’s my rationale.

  41. dgeezer says:

    I usually carry between 150 and 300 all the time. I always pay for restaurants, lunch, coffee etc. with cash. This is probably a generational thing. I didn’t even have a debit card until about 6 months ago.

    Paying for things with a debit card seems ridiculous to me. Why have the money taken out of your account now when you can use a credit card and leave the money in an interest bearing account until next month and get a 1 to 3% rebate on the credit card?

  42. Jeremy says:

    My wife and I carry very little cash, maybe a $20 if we were at the bank recently. Cash is inconvenient, dirty, you don’t get it back if you lose it, nobody keeps track of where you spend it for you, etc. Debit and credit cards let me automatically categorize my expenses in Quicken, so at least I know where all the money went.

    If we could get away with it, we probably wouldn’t have a checkbook either… almost all my checks are sent through online bill pay. There’s always something that comes up that requires in-person check payment, unfortunately — and we usually left the checkbook at home. Stuff like repair calls, utility deposits, etc. We certainly don’t bother balancing a checkbook, since everything is tracked in Quicken anyway.

    There’s definitely a generational difference… I’ve never seen my wife’s parents use a credit card for ANYTHING… they take hundreds of dollars on vacations to pay for everything. My grandma has several thousand dollars cached around the house “just in case”. But, then, she lived through the Great Depression, so maybe she doesn’t trust her bank as much as I do.


  43. Mitch says:

    In my experience, cash is definitely more important on the road (I-29 through Iowa was memorable that way) and in smaller towns. When I was in St. Louis, I took out around 5-10% of my take-home paycheck in cash, put away about a third in savings online, used the rest for card/check expenses. Now my stipend is about the same as a month’s paychecks, but I have to pay retirement & health out of it, so it’s probably 2% in cash, 25% to Roth IRA/online savings, rest for expenses.

    rstlne, how long have you been a Georger? WG was mentioned at Queercents recently as well–really takes me back–my college boyfriend asking me how to write HTML/CSS in ’99-’00 to create a table of the George Score–

  44. Mitch says:

    Pardon my paragraphs–the percentages are not about smaller towns–more that I was being shocked (shocked!) at FrugalZen’s idea of carrying around as much cash as my car is worth. But then, I am not a big estate saler or anything and there is nothing I need right now that would cost $3000. If I were going to turn a profit on it that might be different.

  45. Maria says:

    I’ve actually changed my cash-carrying habits lately. I’m trying to be a little more relaxed about money, so I’ve gone from carrying $20-$40 (if that) to $150-$200.

    I don’t find that I spend more money (I write down all my purchases on a little notebook I keep in my wallet), and it reduces stress when I can’t use a card conveniently.

    BTW, those Visa commercials that try to make cash-users feel guilty are quite hilarious! It takes waaay more time to pay with a card most of the time.

  46. moom says:

    I take $100 or $200 out of the ATM to spend. I get some more when it’s getting low. So I could have from almost zero to $220 or so on me at any one time. I am using credit cards more but wouldn’t think of using a credit card for anything under $20. The only time I use checks any more is for investment purposes and that’s not often. I’m 42.

  47. paula says:

    There are a lot of interesting styles here. I think I’ll borrow some. I especially like the idea of taking a budgeted amount of cash out of the bank at the beginning of the month and make it last. If it doesn’t, that would make it easier to analyze the budget for problems.

    Cash is one of those things that vanishes without a trace in our household, mostly because my husband uses it (and says he doesn’t have a pen to write down his purchases in a little notebook. This causes the biggest hole in my efforts to budget, although I could probably assume that all the money he spends goes for lunch and coffee. I need cash for parking garages and parking meters but otherwise use checks and credit cards.

    I find that a checkbook works best for me. It’s easy to overspend with credit cards, cash is piddled away, but checks take a little effort to write and require me to record it to keep track of the account.

    When I was much younger and carried cash for regular spending, I avoided $1s because they were easy to fritter away, and avoided $10s, because I’d be miserly, but $5s were the right amount: I had to think about the purchase for a minute and made better decisions.

  48. rstlne says:

    If you’re splitting a restaurant check and one person only has a credit card but no cash, then put the whole check on his credit card. Then everyone else can pay him cash. If two people don’t carry cash, then it’s harder. The restaurant will have to make separate checks for the credit card users.

  49. Di says:

    “Four $20 bills This is enough to cover almost every cash-based emergency that I can think of, such as paying a tow truck.”

    I just got my car towed yesterday. It cost $280 – cash only – to retrieve my car. Fortunately, that’s a rare instance so long as you’re careful where you park, but unless you live in a very small town, $80 isn’t even enough to bribe the tow truck driver into unhooking you.

  50. Di says:

    It also occurs to me that you probably meant “in case your car breaks down.” In situations like that, it’s probably best to have a AAA membership or an auto plan attached to your cell phone or car insurance where tow fees are covered as part of the service.

  51. Siena says:

    I carry cash but use it only for splurges that are not part of my regular budget or purchases. I buy my groceries, gas, and other necessary expenses with my debit card. The cash I keep in my wallet (40-60 each week) is to buy clothes, a new book, drugstore makeup, movies, eating out etc . . .–and when I run out of cash for the week, I know I can’t afford to buy extra splurges til next week and I need to stick to the essentials. This way, I keep myself to a budget on the extras by knowing I only have a certain amount of cash to spend that week. It really is a good system. I have cut my shopaholic tendencies quite a bit.

  52. Lorraine says:

    I’m a broke college student with terrible spending habits, so in order to stay within the budget I’ve set for myself I go to the atm every friday morning (my direct deposit comes in every friday) and take out $60 to spend for the week, I fill up my gas tank with my debit card, and another $60 is automatically transferred into a high yeild savings. I realized that using my debit card created a lot more problems for someone like me, who constantly spends without thinking. Hundreds of dollars in overdraft fees later (usually bc I misscalculated by $1 or so) I’ve learned to make it through my week with $60 and have saved more money than I ever have! So the debit card stays hidden in my wallet and my miserable spending habits disappear!

  53. Sods says:

    I carry cash only when someone is paying me back, or for my Bi-weekly Saturday trip to the Farmers Market, but then I take exactly $60 as that is what it normally costs for all my meat and stuff.

    I am from Canada and do not know anyone who carries more than a few bucks cash without a specific purpose( ie going to a cash only vendor, or a bar). From what I have read Canada is the most “Plastic” nation, as we use Debit and credit for everything.

    Would be interesting to do a Poll by location.

  54. Anna says:

    I carry very little cash, use credit mostly. But after a recent experience, I plan to stash about $40 in my car. I was driving to my in-laws with my six week old infant, about a 3 hour trip. I stopped for gas and realized that I had left my wallet at a friend’s house the day before. No cash, no plastic, nothing. Almost no one takes out of town checks these days. oh, and it was snowing. Luckily, a stranger handed me a 10 dollar bill–enough to get me to my destination. I won’t be caught without gas money again!

  55. Bobbi says:

    When we switched to cash for our mad money and groceries, we found that we spend a lot less!! When those same categories were bought with the cc we were routinely 2-3 times the budget. Now we are routinely under budget and have extra left over.

    We each get $300 a month mad money- this includes any out to eat, clothes, books, haircuts, etc. And there is $300 a month for grocery/household products.

  56. Riley says:

    I usually carry around 2000.00. I have been able to make some very good purchases from individuals because I have the cash available. It is a fact that most people will sell an item for actual cash for much less than if paying with a check. Sometimes people just want to get rid of an item and if you happen to be there with the cash you can make good buys. Several times I have been able to then sell the item for a substantial amount more than I paid for it. I guess it is just a variation of the saying, “You have to strike while the iron it hot!

  57. Andrew says:

    I usually carry anywhere from 60-150 dollars in cash with me at all times. I pay cash for almost everything except gas and larger purchases. There is no chance they will decline my purchase unless the cash is counterfeit. I’m sure I can probably pull this off the rest of my life.

  58. goldsmith says:

    Hm. I do it like Lorraine – I take a fixed weekly amount of cash from the ATM each Thursday, and try to cover all of the following categories of expense until the following Thursday:

    Small clothing items
    Personal care
    Small household expenses (batteries, washing-up liquid, laundry detergent etc.)
    Small travel expenses
    Petrol for the car
    Road tolls

    (All other expenses are either done automatically from my current account, or I use my credit card.)

    I set the cash amount after I had about four years worth of expense records, with yearly totals and monthly averages, and finally took the step of calculating the expense equivalents of everything, including the mortgage, per fortnightly salary period. I consciously try to spend less each week, but that doesn’t always work out. When I have to go to the ATM before Thursday, I know I am off track.

    There’s nothing like the tangible, visible effect of a set cash amount that helps me stick to my budget. Besides, it is a sport to see how much you can keep in your wallet by Wednesday evening. If there is money left, I then withdraw less the following Thursday, so that leftover money+withdrawal=weekly lump sum.

  59. Jade says:

    I prefer not to carry cash when I’m just around town. Too great a risk of robbery around here. I try to carry $20 or less, and just get cash back when I do grocery shopping if I know I’m going to need more cash than that (like going out for dinner with friends).

    Fortunately, most everyone around here takes credit/debit cards anyway, at least where I hang out. It’s nice to be able to see exactly where my money goes on my bank statement. Even the hole in the wall Mexican restaurant that used to only take cash is now taking credit/debit cards for purchases over $8. And whenever I need a tow I call AAA and they take care of it.

    I do carry about $15-$20 in my glove box in my car though, some in change and some in bills. That’s to cover parking meters, unexpected bridge tolls (well, that was before I got one of those transponders to just drive through and have my credit card automatically charged), or if I drive into some expensive parking lot and don’t realize it until it’s too late. Of course a lot of the expensive parking garages now take plastic as well…

    You’d think I’d run the risk of having my car broken into and the $10-$15 bucks stolen, but that’s a risk I’m willing to take for the piece of mind I have knowing I can pay for a parking meter or garage. Funny thing is, I did have my car broken into once in front of my house, and all they grabbed was the flashlight I keep by the driver’s seat. They ignored the glove box completely where they could have found some cash!

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