My wife's mind.
She handles the household finances. I have no issues as the bills are paid and money is saved. She's made us ~$40-50k this year managing our portfolio/advisor. Even with the market they're up ~100k over the last 3 years so she's no dummy or maybe just lucky but who cares.
She says to me "we can move some money to our Citicard, 0% interest till 6/11."
OK, how much you gonna move?
"Well I wanna clean up the Capital One card which is around 8 so I figure I'd move 5. The Discover is at around 3 but the interest rate is lower. You've got 5 on your 0 interest Citicard so that can sit a while."
So tonight she sends me the email from Citibank. Limit on that particular card is 25 so i look at her and ask her how much is on that one.
"Around 2."
But the limit is 25, why not move it all there?
"Well that would be like 11, it's a lot"
It's 11k now, it's just spread over 2 cards WITH interest.
She's got this thing about large chunks of cash. $11k spread around for some reason seems like less money than $11k in one place. Weird.
She also stashes cash all over the house. I know a couple of spots but I'm sure there are some I'm not aware of.
One day she is home really sick and the weather is pure crap, typical North East winter day. Calls me at work complaining there is nothing in the house that she wants to eat. She really wants some Chinese.
So order some and have it delivered.
"I don't have any cash"
You've got a couple of grand stashed all over the house.
"That's for emergencies"
You're home sick with the baby, the weather is for chit, you can't go out even if you wanted to, I think this constitutes an emergency, you can spend $10 bucks.