Dear Dr. R.V. Shrink:
My husband and I are having financial problems. We have plenty of money, we just can’t agree on how to manage it while traveling nine months of the year. We have one credit union account from our hometown, but every time we use the ATM it costs us $3+ dollars. I want to open an account with a major bank that we can find most anywhere but my husband will not change. We have had our credit union account for thirty years and he is used to it. I’m banking on you to give me some advice that might persuade him to move to another financial institution.
Bonnie in Clyde, OK
You have the easiest financial problems that exist. Maybe I can help you meet your goals and keep both you and your husband happy. I would suggest you use your credit union debit card for most purchases and Walmart for your ATM. You will find more Walmart stores than you will any major bank. When you check out just get cash back using your debit card and keep a few hundred on hand. There are no fees and it is as simple as hitting a single key at the check out register. If you do a little research you will find a treasure trove of offers from retailers that can save you money, but the Walmart cash back program is the best ATM I can think of. Oh, did I mention free camping and a Red Box?
--Keep Smilin’, Dr. R.V. Shrink