I dread having someone ask me this question.
People like me, who use ATMs, always have too many twenty dollar bills. I’m fortunate that my bank’s ATM has an option with $5 increments, so when I withdraw cash, I make sure it’s $35 or $55 or $75 dollars. (If you take out $95, you get a $50, which sucks worse than a $20, especially since the McDonald’s next door will no longer accept $50 or $100 bills .)
So yeah, I usually do have change for a twenty in my wallet.
But if I make change for you, then I’m stuck with your $20, which defeats the purpose of my banking strategy. And lately, it seems as if I’m asked if I can break a twenty a lot.
I need to start lying, and others need to change banks.