Woah, I can’t believe time has flown by this quickly. It seems like just yesterday I was walking into my banks, closing my accounts, and requesting a cashier’s check with the remaining funds. Why did I do this? My wife and I were looking to consolidate our finances after our wedding and wanted to experiment with using a bank without any physical branches in our area. Ultimately, we selected Capital One as for this grand experiment. That was three months ago, so I wanted to share the results of this experiment with all of you! But wait, there is more. Over the last three months, this experience and others has taught me a HUGE life lesson that I would like to share with all of you.