 As humans, we like having options. One option you might like is speaking with a real person when you call about your credit card. With 24-7 live U.S.-based customer service from Discover, everyone can talk to a real person anytime, day or night. Limitations apply. See terms at discover.com slash credit card. Have you heard of the 50-30-20 rule? This can help you spend and save your money wisely. So, how does it work? Distribute your dollars into three buckets. 50% towards needs, 30% towards your wants, and 20% goes to savings.