Also another reason why I don’t tip: I closed my bank account and do not carry ones

One of the biggest problems we have in this country is lack of respect. My local bank called me a couple of times for a small issue and I did not like their tone. Kind of the tone where I felt I wasn’t seen as a customer.

Walked in the next day and closed all my accounts. It was one of the best days in my life when I saw the dismay on the staff. I said “oh well, you reap what you sow.”

For those who want to do the same, I recommend a CMA with Fidelity. It’s a Cash Management Account that’s basically a checking account. You get a card and you can set up direct deposit too.

I don’t even tip at restaurants because I get everything take-out and bring it to my room and eat alone.