Last week, we shared the inspiring story of Susan Luschas and her successful effort to restore cash acceptance in South Dakota schools. Her example struck a chord—and sparked a question from some of you:

“How can I use cash more effectively in my own life?”

This week, we’re following up with practical guidance on that. Here are some tried-and-true ways you can help keep cash alive: 

1. Use cash regularly. Carry and spend cash in your day-to-day transactions. 

2. Rework your record-keeping. Cash-based budgeting, reimbursements, and financial tracking are time-tested. If you're used to digital systems, it may take a shift in habit, but it's entirely doable.

3. Talk with local merchants. Build relationships. Many small businesses are happy to accept cash once they understand your reasons for wanting them to. 

4. Use checks instead of credit cards or online payment systems.

5. Bank locally. Find a trustworthy community bank, credit union, or savings and loan—and get to know the people there.

6. Exit the global banking grid. After tax season, consider closing accounts with any bank or insurer on the BIS “systemically important” list.

7. Keep a rainy day cash fund at home. Store it securely—enough to get by for a month without cards or internet access.

8. Hold real value. Consider investing in precious metals, and stockpiling useful coinage—quarters, dimes, dollars, and even pennies.

Remember, every cash transaction makes a difference. Let’s keep it circulating.

In freedom,
The Solari Team