While we have a digression into card-calling strategy, I have a question for those who are more mathematically inclined than I am:
Suppose the contestant starts the Money Cards with a base card of a 6. I'll say "Change it!" at the screen while one of my friends will say that they should bet low and save their change for later. We will then get into a non-heated argument about when is the best time to change the card.
My stance is that it's always better to change as soon as you see a middle-of-the-road card. If the change card is good, then the odds are that you'll make more money earlier -- if the cards that immediately follow are also good, then that means you'll have more money to bet and win early on. If another middle-of-the-road card shows up later on down the line, then just take the minimum bet and save what you already have.
My friends' stance is that you want to save your change for later in the game when you already have a lot of money and want to give yourself the best possible chance to double it near the end of the game.
(Of course, both stances assume that the change card will improve your position. If the change card is an 8, then it's all moot.)
Is there merit to my friends' argument that I'm not seeing? I would think that especially on this version, when the contestant isn't even required to take the Big Bet, it's always better to make money early than to assume the ability to change would be more beneficial later on (what if all of the remaining cards turn out to be great?).
Incidentally, do we know what happens if a contestant on this version hasn't changed a card by the time they get to the Big Bet? Are they allowed to change their card before deciding whether to make a bet, or do they have to make the decision to play before seeing what their change would be?