For the record, my biggest problem with money is likely a lack of time to properly pay attention to my bank account combined with the constant demands of needing food, gas, etc. I always think I’ll figure it out later, which is never a good idea.
But yeah, as M said, cash is the way to go.
On the happy-making side of things, I had the nicest email at KSLG from a dad who had requested some songs for his daughter who was on her way to compete in a swim meet. I played his request and then some; he wrote back how happy I’d made her, which made my day.