Preview — The Goal
🎯 The Goal: Never let a foreign card reader do the math. It's called Dynamic Currency Conversion (DCC): an ATM or card terminal abroad politely asks 'bill in your home currency (USD) or local currency?' Choosing your own currency feels safe — and quietly costs you 5-12% on every transaction, because the machine's owner sets the exchange rate and pockets the spread. One word protects you: LOCAL.