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All my fishing is done wading in rivers. I'm chronically broke so I have a fishing gear budget of around $15 a year.
For the past couple of years I haven't had to spend even that much, because all I need to buy anymore is one packet of small white grubs, one packet of small black grubs, and two packets of jig heads in 1/8 and 1/16 oz.--about five bucks worth of stuff. I use 4-pound test line on an ultralight spinning setup.
Most days I fish the white grubs, and catch smallmouth, rock bass (no, not rockfish), river sunfish, catfish and chubs, along with the occasional wierdo like warmouth, largemouth, and trout. If it's mid-day and cloudless, I find that switching over to black works quite well to coax dormant fish into activity. I rarely hook into any kind of fish longer than 18 inches, but a smallmouth that size is an epic fight, and once or twice I've broken my line on a fish that big.
For those of you practicing catch-and-release, as I do, I highly recommend using a pair of pliers to pinch the barbs on your hooks, which hurts the fish less and makes it much, much easier to remove the hook (you'll also lose a lot more fish, but that's okay since they're just going right back, right?).
The grubs work well in any direction, unlike hardbaits which smallmouth only find attractive when they're cast from upstream down. I've had many days where I catch 30-50 fish and never have to change jig heads (the cheap Chinese-made Wal-Mart grubs rarely last more than five or ten fish before they're lost or destroyed).
I do still have a couple of Rapalas around, but I've pinched the barbs on them and clipped off one prong of each treble hook. That seems to make them wiggle a little differently in the water, but more importantly it hurts fish much less, is much less likely to stab the fish with the secondary hook, and seems less likely to get stuck in underwater cover.
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