The Money Mustache Community
Learning, Sharing, and Teaching => Ask a Mustachian => Topic started by: ichangedmyname on October 13, 2013, 06:48:00 PM
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I try to have some cash on hand to pay for rent, utilities and public transportation. I also like to have actual cash when we go grocery shopping so I can pay my share right away and don't forget.
I was counting my stash and found I had over $1200 in cash (already have enough for next month's rent and utilities) but that's too much money to have just lying around, right? I'm thinking of just withdrawing enough and use my debit card to pay for things to better track my expenses.
Just wondering... how much actual cash advanced mustachians have on hand? Input is highly appreciated. Thanks.
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We usually have about $1200 on hand at the beginning of the month, because we use a cash envelope system for groceries, restaurants, medication, and on and on. When our credit has improved enough to get a credit card with rewards, we'll likely do all of our spending on that, but for now, cash works well.
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$0-$40 most of the time. My wife never carries cash and I often don't. When I do have cash, I rarely spend it. Usually for purchase under $5 when I don't feel like using a credit card.
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Cash? What is cash?
Just kidding. I generally only have $0-40 as well, plus whatever change is floating around the house.
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Yes, just $10-50. If I get below $10 I pull out another $40.
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$1000 hidden in the house for the Zombie Apocalypse.
$200+ in my wallet that lasts months and months...
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I try to keep my wallet between 100-200$, because when I do go out, I like to use cash, especially for the tip.
Oh, you mean non-investments? ;)
I try to float ~2000$, just to maintain a healthy buffer before having to dip into other streams, in case I pay off multiple bills, mortgage, go to costco, and pay off CC at the same time.
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I like to stash my side gig cash in a fire safe box. We use it for a few cash only type purchases (craigslist or family exchanges as needed). We don't typically carry cash. Once in a blue moon DH hands me a $20, I then break it at work buying a bottle of soda. I leave the change in a jacket pocket and months later it emerges and I feel relief that I hadn't lost it. I don't like to carry cash unless it is for a purpose.
we charge everything on a rewards card and pay it off each month, have done that for years.
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Not counting the roll of loonies (one-dollar coins) i keep for laundry, about $40-70 in the wallet. Used for the occasional (regular but infrequent) cash only type purchase, and if I ever find myself in an eating establishment that charges 50 cents (!) to use a debit/credit card.
In the house: $100 Canadian lying around in case of whatever and about USD 150 for the next time I find myself in that country.
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Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
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Usually runs anywere from $50-$250, 'cause when it drops much below $50, I stop by the ATM and take out another $200.
Part of the reason I do this is because a) the grocery store where I do most of my shopping (WinCo) doesn't take credit cards; and b) the gas stations I usually stop at have bill readers, and the cash price is less than credit, even after my usual cash back.
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If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
I plan to do my level best to empty out the grocery store while armed if that happens.
I generally have something like $100 in my wallet and we keep a couple thousand in folding money at the house just in case. I can get out of dodge and go a long way on a couple grand.
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I take out 100-200 from the ATM when I run out of cash (depending on what I have planned).
I do think there's value in keeping more cash around the house for emergencies, but I don't really
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I use the envelope system too. When I get paid I usually take out what I have budgeted for and divide it but after learning about FIRE I have just been allocating for rent and utilities and bills so I have quite a few leftover. I think I'll feel safe with at least $100 cash the rest will be in savings or checking.
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I usually have $0 in cash. I like using my debit/credit card for tracking purposes. My mom will slip me some cash every once in awhile because she knows all my money is going to debt repayment. I use her cash to do fun things like go out to eat/shows/etc.
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Actually in my wallet? About $7 and some change. It's been in there for over 2 months, and I forgot I had it.
Husband in general has somewhere around $40 at any given time.
I don't have and don't want a debit card. The husband only uses his for the places that give you a discount for "cash" transactions and for withdrawing actual cash at the ATMs. Otherwise, it's credit card all the way, as we get points and pay off in full every month, and transactions are protected, unlike debit card transactions.
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I like having around $30 - $90 in my wallet at any given time.
For any money in the account that's not invested, about $2000 feels safe as that covers automatic payments plus any withdrawals for the typical month, with some room to spare, just in case.
I don't keep an emergency stash at home. For those who do or may in the future, what sort of circumstances are you considering where that seems like a prudent idea? Just wondering whether I should be doing something like that.
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$20 or less. Half of which is my luck $10 note from Hong Kong (I'm not superstitious, it just an awesome looking bill, that's been in my wallet about 10 years now).
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Around $5 (converted) in the car, mostly for tipping car guards (facepunch please) and petrol attendants (another facepunch). For me cash is easier to spend than plastic, maybe because of the phrase "petty cash."
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I try to keep about $40 in my wallet as "just in case" money. There's occasions where I use cash, like gas stations with "cash only" discounts. My understanding is that's also about the right amount to satisfy a mugger, which can avoid more unpleasant outcomes (I haven't been mugged since I was 17, but I often walk to/from work and do other things that might place me at high risk of being mugged, like park in sketchy areas and walk to my destination rather than paying for parking). I don't keep cash in the house. I use my rewards credit card for almost all purchases.
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I don't keep an emergency stash at home. For those who do or may in the future, what sort of circumstances are you considering where that seems like a prudent idea? Just wondering whether I should be doing something like that.
Up to you. A major power outage, big storm, earthquake, impending fire, etc. could all knock out power so that plastic does not work. Folding money works when the grid does not.
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I don't keep an emergency stash at home. For those who do or may in the future, what sort of circumstances are you considering where that seems like a prudent idea? Just wondering whether I should be doing something like that.
Up to you. A major power outage, big storm, earthquake, impending fire, etc. could all knock out power so that plastic does not work. Folding money works when the grid does not.
Yep. I have a few hundred in cash in my earthquake kit. But after any natural disaster, power can be knocked out for days at a time. If you want to buy anything during that time, you'll likely need cash.
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Usually nothing.
We have enough food at home so even if the power went it'd be ok, I think... I mean, if everything was down for days..? I guess the supermarket would take a cheque? Not sure - it's never happened to me.
Got given $10 yesterday though, so I'll do my best to get rid of that ASAP!
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I don't keep an emergency stash at home. For those who do or may in the future, what sort of circumstances are you considering where that seems like a prudent idea? Just wondering whether I should be doing something like that.
Up to you. A major power outage, big storm, earthquake, impending fire, etc. could all knock out power so that plastic does not work. Folding money works when the grid does not.
If things are that bad, roads will be blocked and we wouldn't be able to travel the 8-10 miles to anywhere to buy something. I keep food, kerosene, and a woodpile. Oh, and dog food.
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I don't keep an emergency stash at home. For those who do or may in the future, what sort of circumstances are you considering where that seems like a prudent idea? Just wondering whether I should be doing something like that.
Up to you. A major power outage, big storm, earthquake, impending fire, etc. could all knock out power so that plastic does not work. Folding money works when the grid does not.
If things are that bad, roads will be blocked and we wouldn't be able to travel the 8-10 miles to anywhere to buy something. I keep food, kerosene, and a woodpile. Oh, and dog food.
You know your situation best. As for me, I have a stockpile of everything we need to stay in place for a while, plus a bunch of folding money in case we need it. Its like .15% of our net worth, which is a pretty small issue for an important emergency preparation. YMMV.
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We have $550 in proceeds from a garage sale stashed in the house. We're planning another one, so we kept all the small bills. Otherwise, I have $6.42 in my wallet. Husband has $82. I just shopped at Costco today and charged everything to our AMEX, which we pay off every month. Bought a few non-Costco items at the
ripoff grocery store afterward. Paid $8.48 in cash.
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I aim to keep around $100-200 cash on hand at any given point. Just in case we need it for craigslist purchases, reimbursing someone for something, or if the zombie apocalypse comes, we might want to spend it all on some really good beer before meeting our unfortunate demise.
We are in walking distance to dozens of stores and restaurants, so theoretically a natural disaster could hit and (if stores were open without power and without comms) we could pay in cash. Odds are their POS terminals would be non-operational and they wouldn't open up without power.
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Even if you have everything you need to shelter in place, I still think having a couple hundred dollars stashed for emergencies is not a bad idea. What if you have to pack up and evacuate quickly? Sure, the chance you will need the money is small, but if you do need it, you'll be VERY happy it's there.
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$0...i actually get annoyed when I need cash for something. I don't know why I can't use my card for most things and bank transfer or paypal for everything else. I have not been into a bank in over 5 years....including the the purchase of my house.
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I live in a country with a cash based economy. We keep about 300 in usd, 1000 usd worth of this country's currency, and 300usd worth of two other foreign currencies for countries we visit frequently. They also are cash based.
It's rendered my careful rewards card planning pretty much useless.
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Over $2K. I normally have a bit of money on me as I play poker regularly.
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just a jingle jar for the bus, generally.
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$50 or so on average. I deal on craigslist a fair amount and like to tip cash, but that's about all I use it for. Always leave it at home too because I have less self-control with that compared to cards. It's like the money is already out of my account so it's meant to be spent, right? Whereas when I use the cards I can see the balance falling...
Half of which is my luck $10 note from Hong Kong
No way! I've had some Hong Kong dollars in my wallet since May. Won them in an engineering competition at school. Mine aren't lucky yet but I do plan on leaving them there for a while.
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I have $100 folded up and tucked into a credit card pocket in my wallet that's my backup money in case my credit card doesn't work for whatever reason. Usually nothing in cash besides that.
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Usually 300-400$ in tip money I haven't deposited, or if nearing the end of the month I use it for rent. If I am out and about, 20-40$, especially 5's and 1's if I might be eating out in a restaurant to leave for tips. I used to have a lot of quarters for the bus but they raised it to 1$ fare, so some 1's if I plan to ride it.
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Cash? Like bills and coins? None. Maybe a few coins left at the bottom of my purse. I rarely ever need it.
Uninvested money is different. We are savings for a down payment for a house, so we have a substantial amount in a lame savings account. Will be used next Summer when we go house shopping.
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Interesting question. I can go around and need about zero cash for days. Australia is really advanced with debit card facilities at all merchants. I never even thought of having a stash of cash for power outages! Ours usually fixed in an hour or so. If the power went out the shops would be closed. Their cash drawers wouldn't even open.
So... Mainly about 20-40 in the wallet to service the kids basically.
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Today? About $100 because we went out of town and we always make a point of carrying some cash when we travel -- but we ended up spending almost nothing.
On a typical day, less than $10.
At home, a couple hundred hidden in the safe in case of a small emergency.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
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I assume you mean actual paper money and coins, not money in the bank.
I have $33 in my wallet and probably $50 in loose change in a bucket in the closet. My wife usually has $50 or so in her purse and another few dollars stuffed into various jacket pockets.
I don't use cash except when I get a haircut because it's easier to tip. I use cash at the dry cleaner when it's a low total because they don't like cash on small sales and they're nice people.
Everything else that can (even utilities) goes on a credit card. I have one credit card that I only use for recurring bills, and another that I use for one-time purchases. That way when the one-time purchase one is cancelled due to fraud I don't have to set everything back up.
Paying like this earns me hundreds of dollars in rewards every year, and the rewards can be used on Amazon at a penny a point. (This is true of both Chase and Discover reward programs.)
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
I normally have nearly $0 in cash other than our change jar that is filled mostly with pennies. Right now I have about $150 in cash from CraigsList transactions.
As for getting some cash before the debt ceiling thing happens, I'll probably pull out a few hundred. We've got enough food to last us a couple of weeks if we dig deep and get creative. I'll make sure our gas tanks are filled up before then, too.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
Not bother. I can't imagine a case where I would both need it that desperately and it would still be worth anything.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
I keep maybe $20-40 at a time max. I have $2 in my wallet currently and my husband has maybe $20. Why do you think having cash be helpful if the debt ceiling is reached? Seems like it will just affect the markets and not my bank account.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
My husband was talking about this ... but now that we are here, I don't know if he really wants to do it. (He generally does the banking because the credit union is at his workplace, though I pay all the bills.) I doubt if zombies will start walking the earth immediately after midnight. What I do think will happen is that prices will jump immediately on everything while the stock market drops and we all lose a chunk of net worth. Stupid is not the word for it ...
As for the question, my husband usually withdraws $100 every couple of weeks to spend for lunches, etc., and I keep about $20-$30 in cash, which lasts me months because I rarely use cash for purchases. The only places I can think of where I use cash are haircuts (I get one every 6 months or so, and the place takes cash only) and the farmers' market, plus occasional small items <$5.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
I'm curious if you might expand on why you're considering this. I'm not saying there aren't any valid reasons, but I'm failing to see how the debt ceiling will affect your ability to pay for things with plastic or what might happen to banks that has you concerned.
As for me I have a quarter in my car to get a shopping cart at Aldi and a wedding gift piggy bank at home that is maybe half full of change found on sidewalks in the past 4+ years.
Other than that, if and when I ever need cash for craigslist purchases, I take out what is necessary, and put back what is not. With friends repaying me, I always prefer to just get a check for deposit. I'll admit to having less control with cash than credit. Dollars seem to slip out on little things, where I almost always feel bad putting under $2 on plastic and just don't make the purchase.
For people that keep cash on hand to tip, why? I've never seen an establishment where tips were commonplace that didn't just have a line item on the receipt to add a tip to a credit card. Unless you like helping waitstaff dodge taxes. At least at our place, they all get their tips in cash out of the register at the end of the shift anyway regardless of if every customer paid on a credit card or not.
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For people that keep cash on hand to tip, why? I've never seen an establishment where tips were commonplace that didn't just have a line item on the receipt to add a tip to a credit card. Unless you like helping waitstaff dodge taxes. At least at our place, they all get their tips in cash out of the register at the end of the shift anyway regardless of if every customer paid on a credit card or not.
I try to tip any time I get exceptional help. The bike shop doesn't have a line on the receipt for that sort of thing, and doormen don't have receipts at all. Any street performers that get me to stop also get a couple bucks.
Another reason... a majority of the people I've encountered appreciate a cash tip more than a plastic tip for whatever reason. Since it doesn't make much difference to me where the money comes from, I figure why not give them what they want?
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I almost always have less than $10 in cash. I find that cash flies through my pocket, I'm not sure why, I just seem to lose track of where it gets spent, so I've cured that by basically never having any cash. My husband tries to always have $20 in his wallet.
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Another reason... a majority of the people I've encountered appreciate a cash tip more than a plastic tip for whatever reason.
See my point above about dodging taxes. ;)
Fair enough points otherwise, I guess I just tend to fall much more on the anti-tipping nature of things. Things like mandatory valet parking irks me. I will tip if I choose valet parking (which I won't), but I'm not tipping if my only option is a valet. I've always declined any tips offered to me since back into my days as a teenager at McDonald's.
Could be I'm just a jerk though.
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Usually < $200.
I stop by at an ATM once in every couple of months and withdraw this amount. Use it whenever I can't use my card, like for Craigsllist transactions.
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Another reason... a majority of the people I've encountered appreciate a cash tip more than a plastic tip for whatever reason.
See my point above about dodging taxes. ;)
I agree that's a reason, but it's not the only reason.
And if somebody wants to dodge taxes that's their responsibility, not mine.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
I'm curious if you might expand on why you're considering this. I'm not saying there aren't any valid reasons, but I'm failing to see how the debt ceiling will affect your ability to pay for things with plastic or what might happen to banks that has you concerned.
This is a good summary as to why (http://www.joshuakennon.com/the-debt-ceiling-101-an-explanation-for-the-average-person/). From that article:
Imagine what would happen if millions of investors, covering trillions of aggregate maturities, suddenly found out that the safest asset on the planet defaulted. The interest that was supposed to be deposited into their brokerage accounts, bank accounts, or accrued on their fixed income securities was suddenly not there. Even if you don’t think you own Treasury bills, bonds, and notes, you do. It represents the cash reserves of nearly every major corporation in the S&P 500 as well as most major mutual funds. It makes up part of your pension plan that sends you checks every month. The Treasury makes sure your Social Security payments get sent (side note: For political reasons, I have a sneaking suspicion that were a debt ceiling default to happen, the Treasury would prioritize its cash outflows and honor Social Security payments above all others to avoid political unrest. Payroll taxes alone should be sufficient to cover current benefits. If it doesn’t, it would accelerate the economic collapse as most Social Security money is spent quickly by retirees on things like food, shelter, and medical expenses, going right back into the economy. The problem? This isn’t legal. The Treasury has no authority to decide that it can honor certain bills and not others. And even if it were allowed, the Treasury Department doesn’t have the technology to handle it as it pays each bill due on a first-come, first-serve basis. Meanwhile, credit rating agency Moody’s, on the other hand, insists it will happen based on what appears to be blind faith).
Panic will ensue. Frightened investors, particularly retirees, will sell off their Treasury bonds, driving the price down and the interest rates through the roof. When the crisis does pass, the Treasury will be unable to borrow at low rates as investors won’t trust them, anymore. (To illustrate: A Treasury bond paying $5 in interest selling for $100 will yield 5%, but if investors panic and drive it down to $50, it’s now yielding 10%. That means if the Treasury wants to refinance at maturity or raise new money in the future, it will be competing with its own, old bonds, and have to issue them at 10%.)
Even worse, this will likely ripple through the banking system. Insurance companies would go bankrupt as their risk-adjusted capital ratios would crumble. ATMs would likely run out of money. Banks would probably have to close for extended periods of time. Workers would not get their paychecks. The secondary cash equivalents markets, such as commercial paper, would begin drying up overnight. And, unfortunately, given that the entire global monetary system is built on Treasury bills, bonds, and notes, the effects, globally, would be swift. It wouldn’t take long for it to show up in London, Tokyo, Paris, Berlin, Beijing, Bern, Ottawa, and everywhere else.
So at the very same time the Treasury faced rapidly escalating interest rates on the debt, the economy would be collapsing and generating less tax receipts. It would be brutal.
Most profoundly, I doubt any of the other major global economies would trust the U.S. dollar again, meaning they would setup other reserve currencies, taking away a significant competitive advantage we have.
I'd peg the chance that it happens as under a half a percent. But as we get closer with no deal (and as I'm writing this a deal look very, very likely), it becomes more of a possibility.
Even if default does happen, is cash likely needed? No. Stuff will probably still work just fine. However, could it hurt to have money in cash instead of in a checking account for a few days? Again, probably not, so might as well.
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For those of you that have $0-100, are you planning on doing something similar to what I posted above:
Generally, $0.
If the debt ceiling thing actually gets to within a day of happening, I play to pull several thousand out of the bank in cash.
Or not going to bother?
I'm curious if you might expand on why you're considering this. I'm not saying there aren't any valid reasons, but I'm failing to see how the debt ceiling will affect your ability to pay for things with plastic or what might happen to banks that has you concerned.
This is a good summary as to why (http://www.joshuakennon.com/the-debt-ceiling-101-an-explanation-for-the-average-person/). From that article:
Imagine what would happen if millions of investors, covering trillions of aggregate maturities, suddenly found out that the safest asset on the planet defaulted. The interest that was supposed to be deposited into their brokerage accounts, bank accounts, or accrued on their fixed income securities was suddenly not there. Even if you don’t think you own Treasury bills, bonds, and notes, you do. It represents the cash reserves of nearly every major corporation in the S&P 500 as well as most major mutual funds. It makes up part of your pension plan that sends you checks every month. The Treasury makes sure your Social Security payments get sent (side note: For political reasons, I have a sneaking suspicion that were a debt ceiling default to happen, the Treasury would prioritize its cash outflows and honor Social Security payments above all others to avoid political unrest. Payroll taxes alone should be sufficient to cover current benefits. If it doesn’t, it would accelerate the economic collapse as most Social Security money is spent quickly by retirees on things like food, shelter, and medical expenses, going right back into the economy. The problem? This isn’t legal. The Treasury has no authority to decide that it can honor certain bills and not others. And even if it were allowed, the Treasury Department doesn’t have the technology to handle it as it pays each bill due on a first-come, first-serve basis. Meanwhile, credit rating agency Moody’s, on the other hand, insists it will happen based on what appears to be blind faith).
Panic will ensue. Frightened investors, particularly retirees, will sell off their Treasury bonds, driving the price down and the interest rates through the roof. When the crisis does pass, the Treasury will be unable to borrow at low rates as investors won’t trust them, anymore. (To illustrate: A Treasury bond paying $5 in interest selling for $100 will yield 5%, but if investors panic and drive it down to $50, it’s now yielding 10%. That means if the Treasury wants to refinance at maturity or raise new money in the future, it will be competing with its own, old bonds, and have to issue them at 10%.)
Even worse, this will likely ripple through the banking system. Insurance companies would go bankrupt as their risk-adjusted capital ratios would crumble. ATMs would likely run out of money. Banks would probably have to close for extended periods of time. Workers would not get their paychecks. The secondary cash equivalents markets, such as commercial paper, would begin drying up overnight. And, unfortunately, given that the entire global monetary system is built on Treasury bills, bonds, and notes, the effects, globally, would be swift. It wouldn’t take long for it to show up in London, Tokyo, Paris, Berlin, Beijing, Bern, Ottawa, and everywhere else.
So at the very same time the Treasury faced rapidly escalating interest rates on the debt, the economy would be collapsing and generating less tax receipts. It would be brutal.
Most profoundly, I doubt any of the other major global economies would trust the U.S. dollar again, meaning they would setup other reserve currencies, taking away a significant competitive advantage we have.
I'd peg the chance that it happens as under a half a percent. But as we get closer with no deal (and as I'm writing this a deal look very, very likely), it becomes more of a possibility.
Even if default does happen, is cash likely needed? No. Stuff will probably still work just fine. However, could it hurt to have money in cash instead of in a checking account for a few days? Again, probably not, so might as well.
All reasons I would rather have shotshells, food, water and booze on hand, but I keep some cash handy anyway.
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I prefer using cash for most purchases (habit, I guess) so I always have some. Usually I take out 200 chf at the time so there is rarely more than 300 (not counting coins jar). Right now there is also couple hundred euros laying around from a vacation which turned out to be less expensive than I anticipated plus some small change (<50) in dollars and pounds as well.
Importance of having some cash in the valet was demonstrated to me just two weekends ago. Went hiking in the mountains with a friend and since we weren't sure how far we'd hike we bought train tickets only in one direction. At the end of the hiking we discovered that the ticket machine in the remote railway station only accepts cash (card function was broken). Luckily I had 100 francs in the pocket to pay for tickets back to the city for both of us...
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I always keep 20 hidden in my wallet and 1k tucked safely around the house. The 20 is for all those times I need cash and wasn't prepared for it and the 1k is just in case my bank has a major issue processing payments and I still need to take care of things on time. Small adjustments for big peace of mind!
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I wonder how many who have already retired keep a stash of thousands in a vault behind a picture of Grandpa Nevel? 'Cause I'm totally going to stash extra cash in a vault. Just because I can.
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I figured you meant how much do I have in cash as opposed to securities/real estate, and was about to post given that when I read a few more posts. I actually completely forgot that physically carrying around cash was a thing for a moment.
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My wife likes to have $200 in her purse, while I keep about $70. We have several hundred in cash in a strong box. I put everything on my points cards.
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I keep $500 in our safe of varying denominations so I can make change or if we go to events with friends so I can pay cash.
I really don't like splitting the bill...
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I wonder how many who have already retired keep a stash of thousands in a vault behind a picture of Grandpa Nevel? 'Cause I'm totally going to stash extra cash in a vault. Just because I can.
Mine is in the gun safe, although I suppose I would do just as well hiding it at the bottom of a bucket of rice or in the freezer.