I love e-transferring money to people. Not because it’s easier, and not because it saves me from having to give out a handful of mismatched change and pocket lint; I love it because of the customizable security questions.

You want the $7 I owe you for nachos? No problem. But first, I’m gonna need you to figure out the six-letter name for the specific kind of reptile I’m thinking of. Oh, and the $10 I owe you for karaoke? It’s rightfully yours, as long as you can remember what brand of shoes I was wearing yesterday.

The only downside to this method is when the person can’t figure out the answer, and you yourself have forgotten it altogether. In this case, the nacho and karaoke money will be in a weird state of limbo for a month or so. Other than that, e-transfer is the best way to simultaneously repay debt, and catch your friends off-guard with new and exciting questions. And honestly, it’s far more entertaining.

Image: Amara Gelaude/The Cascade