"When you are a little kid you learn to trade stuff and you're trading money for school supplies; when you use your credit card or even a debit card, what the little child sees is that you got your card out, swiped it, and put it back. There was no trade, you didn't trade your marbles. You got to keep all your stuff and you got stuff, so there's the lack of value transaction visually there." Dave Ramsey
