like tng, I roll the rewards points and spend almost entirely on my card. I like to carry a little cash - maybe between $2-60. I rarely use it though. I think because I grew up without a lot of money, I like the idea of having cash in my pocket... because I can... but it's a silly thing really.

Now... when it comes to change... I am a recovering change addict. I have a recurring dream where I am in the driveway of my childhood home and I see a dime on the driveway. I lean down to pick it up and notice a nearby nickel. Only then I see a quarter and some pennies. I look around and there are coins everywhere. I experience deep childhood joy at picking up dollars worth of coins.

I think this dream, and the earlier mentioned lack of money as a kid affected the way I feel about change. For a time, I used to have AT LEAST 2-5 gold dollars and AT LEAST two fifty cent pieces. I would use them for tips at the diner, or to buy lemonade from kids on the street.

But when I used it at a store one time and the 17 year old behind the counter took like a solid minute to figure out what the 50 cent piece was and how much it was worth... I realized I should migrate back to the card.

I think geography has a lot to do with it too. In a small town, I was all cash, coin ,etc. In Denver, I'm almost all card all the time.