Cash Sucks. ‘Nuff Said

Photo credit: © AMagill

I used to like cash. A lot. Of course, it was back when I was younger and cared how others viewed me. I would love getting paid, then going to the ATM and pulling out some cash so any time I’d go out I could whip out a wad and look like a big shot. That all seems like a lifetime ago now. These days, I don’t really carry cash, save for a few buck in case of an emergency (which I can’t imagine needing since almost everyone takes credit cards). I prefer to travel lightly, carrying as little on my person as possible. It just makes sense not to load up my wallet (and pockets) with unnecessary stuff. Now, I prefer to use credit cards for every purchase if I can.


Don’t take this as me telling you how to live your own life. If you haven’t been able to figure out by now, that’s not how I roll. I don’t believe that what I do is something that should be followed by everyone. I’m not one of those people. Far from it. I’m of the belief that everyone needs to find what works for them and that no financial advice applies to everyone’s situation. 


So, why do I hate cash so much? The reasons are many (and not very serious at times):


  1. You don’t get rewarded to use it
  2. There isn’t a special, exclusively colored version to show your true “status”
  3. It’s slow to count out when making a purchase
  4. And if you want to use exact change it really is a pain in the ass to find that last coin needed
  5. There is no security measures built-in in case of theft
  6. You can’t get help disputing a purchase
  7. It’s stinky
  8. It’s Filthy
  9. It feels funny to the touch
  10. It’s bulky to carry around
  11. It can rip
  12. And if it rips, some places won’t accept it
  13. Vending machines definitely won’t take it ripped
  14. Coins are heavy 
  15. They make a lot of noise in your pocket
  16. When a coin drops it can roll under heavy objects
  17. When cash is lost it’s lost forever
  18. It’s difficult to keep track of if you aren’t meticulous
  19. If you don’t keep the receipt, you’ll never remember what It was spent on 
  20. It’s racist: there are only dead white dudes’ images on money
  21. It doesn’t give you any kind of insurance
  22. You can’t customize it with a picture of your pet or kid
  23. Pennies. Need I say more?
  24. You have to go out of your way to get it from the ATM
  25. And in an emergency, it takes too long to transfer it between banks 


That’s pretty much it…for now. I’m sure I will think of more ways in which cash sucks from time to time, but this should be enough to get me in a bit of trouble with some of the anti-credit or pro-cash people :lol: It’s cool though, I don’t mind people disagreeing with me as long as they can back it up with a little more than an “Uh, because…” response. Besides, this was kind of fun!


  • Funancials

    I think I hate cash more than you. Never thought about the racism behind money!!

    On a side note, your mobile view popped up when I visited your site from my computer. Really weird..

    • Eric J. Nisall – DollarVersity

      Hmm, that’s odd.  Wonder why that happened.  I haven’t had it happen to me.

      I really never thought of the racist play either.  I was just working on a return the other day when I started writing the list and all of that stuff just started popping into my head.

      Wish every post was that easy to write!

      • Sunk818

        Obama was supposed to be on the dollar coin eventually.

  • Money Beagle

    I don’t spend that much in cash anymore.  My wife and I will each grab 10 bucks when our wallet gets empty and that often lasts us a month.  The ice cream shop we favor is cash only so in the summer months we’ll go through it a little more quickly :)

  • Money Beagle

    I don’t spend that much in cash anymore.  My wife and I will each grab 10 bucks when our wallet gets empty and that often lasts us a month.  The ice cream shop we favor is cash only so in the summer months we’ll go through it a little more quickly :)

    • Eric J. Nisall – DollarVersity

      I haven’t come across any cash-only places that I can think of.  To be honest, if a place didn’t take AmEx, I probably wouldn’t continue to shop there as it would put a major crimp in my payment style.

      • Stripper

        Strip club

  • Kyle-Carpet Cleaning Fargo ND

    Great post, yeah I do not carry much cash either. No need to and no need to waste money on gas to go to the atm machine to get cash. 

  • Ashley @ Money Talks

    I don’t use cash either.  It’s just so much easier and quicker to pay with the card. 

    • Eric J. Nisall – DollarVersity

      You know it Ashley!  I only wish I could have everything automatically charged to my card but for some reason my water and mortgage companies won’t allow it :-(

  • Marissa

    I like having cash as spending. Once I spend it all, I know i don’t have anymore. There is a fine line for me with using cc/debit as I don’ really feel like I am spending if I don’t hand it over to someone.
    The only tricky part is keeping track of it.

  • Marissa

    I use my cc/debit card to keep accurate records and I put bigger purchases on them since (electronics etc) since it extends my warranty.

  • Edwin @ Cash The Checks

    I’m not that anti-bills, but I am anti-coins. Seems like my coin stash keeps growing even though I try to spend it.

  • Sunk818

    Cash allows you not to be tracked. This way credit card companies don’t get better at pandering to your fears, desires, weaknesses, doubts, anxieties, etc

    I also saved $400 on flower for our wedding paying cash.


    Cash is helpful where credit card doesn’t work. sure there are disadvantages of cash I agree with your points but it is still useful :)

    thanks for sharing,