 I avoid transferring funds from my money market account to my checking account, which keeps me from spending too much until I get my Social Security deposit into my checking account. You know, that's such a good point. And look, I guess you're supposed to have whatever money's in there before you write a check. But that happened to me once. I went to a restaurant one time, a great restaurant. I don't know if this is still the policy. But they didn't accept credit cards. They only accepted cash or check.