Ted and Tiffany are meeting Mitch and Amber at the Green Turtle Club later in the evening. Wanting to set some limits on what could be an expensive evening, Ted stops at the ATM and uses his credit card to get a cash advance. When the two couples meet for dinner, Tiffany tells Amber that she is going to splurge and get lobster because Ted is rolling in cash. Mitch overhears this and begins to laugh at Ted for making such a financial blunder. Ted argues that Mitch is blind to the convenience and control offered by cash advances, as research shows that people tend to spend more when using credit cards. Tiffany and Amber ask you to determine who is right, but you must thoroughly defend your answer to settle the argument.