Dave Ramsey, the author and radio personality whose financial advice has helped countless Americans get out of debt, has something in common with Solari—he is a fan of cash and understands why keeping cash alive is so important.

His recent warning about the true consequences of going cashless has been rocketing around social media. In his post, Ramsey first graciously suggests that “those who support a cashless society aren’t fully aware of what they are asking for,” so he spells out some of the implications for people’s ability to gift, save, and supplement their income. Though he does not mention it, going cashless also sabotages his “cash envelope system”—the method Ramsey Solutions promotes to help people track spending and stay on budget.

Ramsey next explains “what a cashless society does guarantee”:

• “Banks have full control of every single penny you own.
• Every transaction you make is recorded.
• All your movements & actions are traceable.
• Access to your money can be blocked at the click of a button….
• You will have no choice but to declare & be taxed on every dollar in your possession.
• The government WILL decide what you can & cannot purchase.
• If your transactions are deemed in any way questionable, by those who create the questions, your money will be frozen, ‘for your own good.’”

We can’t improve on Ramsey’s closing message: “Pay with cash & please say no to a cashless society while you still have the choice.”