When I go to the ATM, I replenish to $500 or more. Right now, I have two $100 bills and the rest in $20 bills, and I try to keep $20 in smaller bills. I like to carry $100 bills because (1) they take up less space and (2) when I hand my wife a $100 bill, her reaction is like I'm handing her $1,000 (more bang for the buck).

Before I had my daughter, I used to carry about $40 in cash. Now, I'm more conscientious about emergency situations because of her. Also, I use credit card for practically everything. I would practically never use cash if it wasn't for my wife asking for cash every few days.