First, I'm 62 years old.

Second, anyone who has to use a debit card to pay for a Big Mac meal does
not deserve to go out in public without adult supervision. I see stupid
people all the time paying for very small purchases, gleefully ignorant of
the charges involved.

Carry cash. Learn how to use it. Learn that when it's gone, it's time to
stop spending. Learn when it gets low, it's time to watch what you buy. On
big ticket items, write a check, or get a cashier's check, or get a high
limit credit card and pay it off so you don't pay any interest.

And mostly, learn to never pay someone else to use your own money.

This is one of the things that's wrong with this country, and it now has
filtered down from the government to Joe Average who just keeps spending
when the money's gone. Hey, what do you mean I'm overdrawn, I still have
checks left. Just put it on my credit card..................

Steve