Crypto is taking all shapes and forms now, including being used for risky borrowing and lending. This is in the pioneering phase. // The cell phone is potentially replacing the wallet. Pros & cons.\nAsk Clark topics include: What you can\u2019t pay for with a 529 plan / How and Why to Refinance Your Mortgage / The 403(b) / Fidelity Investments Review 2021 / Life Insurance / Sam\u2019s Club Mastercard Review: Earn 5% Back on Gas Purchases - Best Rewards Credit Cards: Top Picks for 2021 / Authorized User vs. Joint Account Holder \\\\\n\nWant more money advice? Sign up for Clark\u2019s free daily newsletter!\nFree Advice: Clark's Consumer Action Center\nLearn more about your ad choices. Visit megaphone.fm/adchoices