I encourage people to shop with cash because cash forces you to stick with your budget. When the money's gone, the money's gone. It's instant self-discipline. And there's something about having that cash in the envelope and taking that money out and paying that it makes you stop and you think, "Do I really need to buy this? Could I find it for a better deal somewhere?" And it gives you this instant sense of where your money is going and you start to really examine your purchases. And a lot of times you'll realize, "You know, I don't really need that." And so you'll put the money back and you'll save money.