The longer you spend in a country, the more you start thinking in their currency. If you’re drawing from a USD bank account, this can be an amusing mental shift—or a dangerous one, depending on your risk tolerance and number of remaining limbs.
After two months in Guatemala, I was fully thinking in quetzales. (Side note: the Guatemalan quetzal is named after the country’s national bird, which is beautiful, elusive, and 100% not accepted at any local ATM.) At the time, the exchange rate was 18:1—so around 6 quetzales to the dollar. In other words, incredibly cheap… at least by American standards.
But here’s the thing: after a while, you forget. You start getting stingy in the local currency the same way you do at home. Or at least I do.
And when that happens—when you're standing at some existential crossroads involving your safety, well-being, or basic common sense—let me remind you: spend the extra $20.