Congratulations on saving all of that money. I found a unique way to keep myself in spending cash. I get all of the loose cash and checks that come in. A few are old stock dividend checks, anything I sell here or on Ebay for cash, yard sale money - it all goes in my pocket. I don't think I have had to get money from the cheking account for 15 years or so. It becomes my walking around money as well as what we have to spend while on our vacations including the convention.