"Jill, where would you want to be in that line?"

(Wait for answer.)

"And why would you want to be first?"

(Wait for answer.)

"Certainly! If all those people were ahead of you, there might not be any money left in the register. We wouldn't want that to happen, would we?"

(Wait for answer.)

"Well, Jill, isn't that just about what you are letting happen? This full cash register could very well represent your paycheck."

(Point to cash register.)

"Each payday you have all this money, (Tap on register with your pen.) and what happens? Why, you let all these people — (Point to the people lined up at the cash register.) the local merchants, Visa, MasterCard, American Express, etc. — get in line ahead of you."

(Show prospect at end of the line.)

"By the time they get theirs, there is nothing left for you.

"Doesn't it make sense to put yourself up here at the head of the line every payday (draw arrow from the end of the line to front of the line) and just take out a few dollars from each check for yourself, and then let them have the rest?"