 discover cash back hard when I was 20 in my young twenties before I knew the Ramsey plan and I thought I was winning because I was playing these games and yet I was not moving anywhere financially I was in fact going backwards and once I cut up the cards use my own money I created my own reward system because I was way more cognizant way more intentional with the money and I created my own words I was able to save two thousand bucks to buy some flights in the year by getting on a budget using my own money so