I agree so much with the “already gone” idea that I once had to stop and consider if I needed to count cash as part of my Monday check-in.
I decided yes. That’s how I pay for hiking shuttles, so I’d have a boring Monday check-in if I didn’t.
All money is painful for me to spend because I am poor right now. Cash seems to disappear quicker than debit card money though. Once a $20 becomes a $10 I feel bereft.