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The most practical reason for most people in the US to have some cash on hand are scenarios like:

1. A storm rolls through and a tree fell down in your driveway. The power is still out. A guy with a chainsaw shows up and offers to move it if you can pay on the spot.

2. Same situation, but a blizzard and a guy with a snowblower.

3. Small contractors often offer a significant cash discount for home improvements / repairs.



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