Every October I take my mother to Europe for her birthday. This year we went to Bilbao, Spain. She is old school and likes to take cash and convert it to the local currency, me, I use credit cards for everything. On this trip we were making a connection in Munich, where we flown through before. There use to be currency exchange places throughout the airport. I didn’t see one this time, just a few ATM machines along the concourse. When we arrived in Bilbao, the same situation, just a few ATM machines. When we were at restaurants, 99% of people were using cards or their phones to pay. I think my mother understands now that today’s world is digital, money included. My mother uses apple pay and apple cash, so you can teach an old dog new tricks, my mother just turned 77 by the way.