Even though we all claim to be broke-asses, most of us keep the small amount of money we do have in the bank (unless you are my friend Gabe who doesn’t believe in banks).  But, as most of us have realized by now, banks are pretty sneaky. They say

I take a certain degree of pleasure in whipping out my ATM card. Shiny and gray as a sleek piece of steel, it reads “San Francisco Fire Credit Union” across the front, a fact that occasionally gets me a double take. I look nothing like a fireman. I look nothing