I'm not sticking you up, but how much money do you have on you? Probably less than you once carried. Reason I ask is because of a recent survey that says most carry no more than $40. The same survey suggests we should have access to $200. In case, we have an issue with either our debit card or our credit cards. I used to carry that amount, now...not so much. But, after reading this I am going to create an 'emergency cash envelope' and put $200 into it. Now, when if I need it, I only have to remember where I hid the envelope.