Aight, I said I got a zero, and my husband says we both have one. So help me settle this riveting dinner discussion we’re having:

20. Paid with a paper check - I say I have because we’ve made earnest money deposits via check, or down payments on loans via check. And he says “no” because the intent is using a check to pay for things like groceries. He says weve never balanced a checkbook so it doesn’t count.