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[Music] let's go to maggie who joins us in chicago illinois maggie how can we help hi guys thanks so much for taking my call really glad it's you instead of dave today because i have a credit card question hold on a second hold on on a sec i've never heard a caller say that before this is fantastic i want to i want to revel in this for just one moment okay that's enough dave are you listening okay yeah yeah well okay so here's my question we i know credit cards are bad i totally get the philosophy behind it i 100 get that but all of our main fixed bills come out the first half of the month so when we get paid twice a month if we pay everything the way we're supposed to we really don't have money left for our day-to-day stuff our groceries the kids stuff that pops up all that until we get paid the second half of the month so what ends up happening is we just kind of put everything on the credit card do our fixed bills out of the first paycheck and then credit card and you know a couple other things out of the second paycheck so it works but i know that i could be saving more money if i wasn't pulling out the plastic if i had cash for everything i just can't come up with enough cash to make that work does that make sense it does but this is just a budgeting issue yeah and you need a little buffer in the checking account and then we need to start budgeting for those bills we know when they're coming in and you can actually call a lot of these companies and set a certain date of the month when you want to pay those bills i also wonder uh maggie before you respond to george on that is this also an income issue no i mean we're fine we're debt-free we're working on paying off the house early um i just think it's kind of set up in a way and i i mean i've just i've always done the i do the bills so i've always just kind of done the credit card and then just paid that off instead of and i do take cash out i should say that too um like the first of the months when we get paid that's going to be the mortgage and um you know the insurance that we put aside and um those kind of things and then i do take out like i take out cash for groceries i take out cash for um you know some cash but i feel like i always there's always something that i'm putting on the credit card anyway whether it's you know the kids my kids are in sports so it's like oh well you know we just lost my football gloves at practice...