Hi Anastasia - first of all, I read too much. Consequently, I scare myself. I was reading yesterday about the banks and their creation of money (for us) and that is money that is not necessarily there.

Then we have to pay that money back, at huge interest. Yet that money didn't exist in the first place.

Of course this all led to the misery being created by the billionaires intent on taking over the world.

As for the actual money, there used to be a note on money that said it could be tendered for a specific amount of gold. That is no longer there.

So here we have banks telling your husband to get a card to spend what from what?

It's been a long time since I trusted banks, but these days I feel even less trusting.

As for affordability...how does the average American manage? Your school fees are astronomical.