Should you stop using your debit card? In this episode of Clear Money Talk, Tim Clairmont, MSFS™, LACP™, Wealth Advisor, and Tyler Andrews, CFP®, Wealth Advisor, break down the pros and cons of debit cards versus credit cards and explain why this everyday money decision may matter more than most people realize. From fraud protection and frozen bank funds to credit-building opportunities, rewards programs, and spending discipline, this episode explores the real-world tradeoffs behind how you pay. Tim and Tyler also share when a debit card may still be appropriate, why credit cards can be a powerful financial tool when used responsibly, and how to think through the best option for your own situation. Tune in for a practical conversation on spending smarter, protecting your cash flow, and making more intentional financial decisions.