 An eight-year-old boy can feel if there's something else in that card. Now open it up. You'll find one of two things. There could be simple money in there. A $5 bill back then was a great gift. Or it could be a check. And that would always be something more. $10, even $20. Great. But it's a check. I have it, but I don't have it. It won't be money until dad goes into town, goes to the bank, and cashes the check.