Have change for a $20? Didn’t think so.

Almost nobody carries cash anymore, a new study shows, and those who do don’t carry much. Roughly eight in 10 people carry less than $50 cash in their wallets on a regular basis, according to a new report from Bankrate.com. Close to 50 percent of Americans carry $20 or less each day, including 9 percent who don’t carry any cash at all. And only 7 percent carry more than $100 each day. “Consumers prefer to pay with plastic, debit or credit or some other type of mobile technology,” said Greg McBride, chief financial analyst for Bankrate.com.

The findings aren’t too surprising at a time when most consumers are able to swipe their debit cards to buy a pack of gum and scan their phones to buy an afternoon latte. Purchases made with cash aren’t as easy to track as those detailed in credit card and checking account statements, and some consumers may worry they’ll break their budgets by spending any cash they withdraw. But there could be more at play than the rising popularity of paying with plastic.

Some people don’t carry cash because they don’t have that much of it to spare, McBride says. Some 27 percent of Americans do not have any emergency savings, meaning they are pretty much living paycheck to paycheck, according to a separate Bankrate.com survey conducted last June.

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