What I’m really curious about — does she ever get a $5 bill in change and wince, thinking “oh crap, I’m gonna need that to pay for X before I get home tonight!”? I know that’s exactly what would happen to me — one day (close to when I’ve just received my paycheck) I would be thrilled to get three $5 bills as part of my change! And then two weeks later, when my funds are seriously dwindling, I would get a $5 and feel guilt and anxiety about saving vs. spending it. I don’t think it’s a bad idea, but that would be my fear . . .