July 9, 2025

96: Spencer Howard on Unlocking Luxury Travel Through Credit Card Strategy

96: Spencer Howard on Unlocking Luxury Travel Through Credit Card Strategy
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Season 4

What if luxury travel wasn’t just for the 1%? In this episode, travel rewards expert Spencer Howard reveals how everyday spending can unlock first-class flights, champagne service, and global adventures—without going into debt.

You’ll learn:

  • The 3 strategic approaches to credit card rewards (and which one fits your lifestyle)
  • How to maximize point value by avoiding the biggest rookie mistake
  • Why premium cabins aren't just comfortable—they’re career-building

Whether you're a points newbie or a seasoned collector, Spencer breaks down exactly how to travel better, smarter, and often for (almost) free. This isn’t your average “use a travel card” advice—this is the real playbook.

Ready to upgrade your next trip? Press play and get started.

Watch this episode in video form on YouTube

To apply to be a guest on the show

You can email us at: thesugardaddypodcast@gmail.com

Be sure to connect with us on socials @thesugardaddypodcast we are most active on Instagram

Learn more about Brandon and schedule a free 30-minute introductory call with him 

Please remember to subscribe, rate, and review.

Notes from the show:

Visit Straight to the Points

Follow Straight to the Points on Instagram

Follow Spencer Howard on X

Connect with Spencer Howard on LinkedIn


Chapters

00:00 - Introduction to Points and Miles

11:33 - Spencer's Journey from Politics to Travel

17:42 - Credit Card Strategy Fundamentals

22:12 - Portal Booking vs. Point Transfers

29:34 - Luxury Travel Networking Opportunities

37:06 - Top Credit Cards for Beginners

44:24 - First Class Experiences and Lounges

51:10 - Newsletter Benefits and Getting Started

Transcript
WEBVTT

00:00:27.280 --> 00:00:38.301
no-transcript day.

00:00:38.301 --> 00:00:46.328
That was from a blogger which I kind of mocked because at the time I was used to reading, like the aviation journalist at the wall street journal and so I was like.

00:00:46.328 --> 00:00:47.329
What does this blogger think?

00:00:47.350 --> 00:00:47.771
they know.

00:00:48.171 --> 00:00:52.290
Um, he actually is super nice guy, friends with him now and he's he's super smart.

00:00:52.290 --> 00:01:02.247
But, um, I was poking around to site and started to see these things about like credit cards and using the points you earned the credit cards to fly places and I was like, oh okay, um, that's interesting.

00:01:02.247 --> 00:01:04.731
Um, I never really cared about credit cards until then.

00:01:04.731 --> 00:01:12.346
And then I saw him posting about like business and first class flights and I was like, oh, I'm six, three, I could use that I'll take like you write it, I'd like the space.

00:01:12.808 --> 00:01:14.311
So yeah, that's a.

00:01:14.311 --> 00:01:19.465
That's the long way of saying how I got into all of this sugar teddy podcast.

00:01:19.465 --> 00:01:22.390
Yo learn how to make them pockets grow.

00:01:22.390 --> 00:01:27.156
Financial freedom's where we go Smart investments, money flow.

00:01:28.881 --> 00:01:30.463
Hey babe, what are we talking about today?

00:01:31.286 --> 00:01:36.224
Today we are diving back into one of our favorite topics points and miles.

00:01:36.224 --> 00:01:42.646
But we're going to do it a little bit differently this time, because today we are focusing on luxury.

00:01:42.646 --> 00:01:52.522
We're going to be talking about business class, first class, using those points and miles to make sure that we get that lovely luxury experience which you know.

00:01:52.522 --> 00:01:54.450
For me, it starts at the airport.

00:01:54.450 --> 00:02:03.748
Give me my lounge, that's the first part, and then you know if I can be in first class, business class, anything but main cabin economy.

00:02:05.382 --> 00:02:09.408
Which is funny, because I never flew first class until you and I were together.

00:02:09.669 --> 00:02:10.875
And now do you want to go back?

00:02:10.996 --> 00:02:12.741
No, I'm not going to lie, you know, I'm not.

00:02:12.741 --> 00:02:16.562
I wouldn't call myself necessarily a bougie person, but I'm also not a small person either.

00:02:16.562 --> 00:02:19.735
So that extra leg room definitely helps.

00:02:19.855 --> 00:02:20.479
It definitely helps.

00:02:20.479 --> 00:02:25.044
Give me the big seat, give me the leg rooms, but we're here to talk with Spencer Howard today.

00:02:25.044 --> 00:02:31.592
He is going to help us dive into all of the nuances of how to get the most out of our points and miles.

00:02:31.592 --> 00:02:33.935
Spencer, thank you for being with us today.

00:02:33.935 --> 00:02:35.477
We're excited about this conversation.

00:02:36.120 --> 00:02:37.986
Yeah, jessica Brandon, thanks so much for having me.

00:02:37.986 --> 00:02:38.609
I appreciate it.

00:02:38.979 --> 00:02:39.661
Absolutely.

00:02:39.661 --> 00:02:51.251
So let's get into this bio so everybody knows that they can trust you in the things that you're going to say today, please believe me Right in guiding them in the right way to do points and miles.

00:02:52.080 --> 00:02:56.259
Spencer Howard is a credit card loyalty program and travel rewards expert.

00:02:56.259 --> 00:03:05.631
He's also the founder of Straight to the Points, the go-to resource for individuals looking to demystify credit card points so they can experience traveling in luxury.

00:03:05.631 --> 00:03:19.508
After helping family and friends understand credit card points for years, he launched Straight to the Points in 2017 and has been offering members complimentary and premium content through his award alert newsletter ever since.

00:03:19.508 --> 00:03:33.549
His newsletter, read by over 20,000 people, is the place to get the most up-to-date information on everything from first and business class alerts on flights to tutorials on how to effectively book and secure flights using credit card points.

00:03:33.549 --> 00:03:46.328
Spencer has worked in the travel writing industry for nearly a decade and has been featured in various news outlets such as Forbes Advisor, cnbc, travel Leisure Asia, the Washington Post, bloomberg and Business Insider.

00:03:46.328 --> 00:03:55.888
Spencer believes that everyone deserves to fly business class at least once in their lifetime, and he is on a journey to make that happen.

00:03:55.888 --> 00:04:01.050
Since 2017, he's traveled for three months of the year and seen 60,000 countries.

00:04:01.050 --> 00:04:04.329
Oh my gosh, I need another coffee.

00:04:04.680 --> 00:04:05.882
I've gone to other planets, exactly,000 countries.

00:04:05.882 --> 00:04:06.091
Oh my gosh, I need another coffee.

00:04:06.020 --> 00:04:09.655
I've gone to other planets, Exactly outer space, 60 plus countries.

00:04:09.655 --> 00:04:14.002
He lives in Washington DC with his family and recently became a dad.

00:04:14.002 --> 00:04:15.186
Congratulations for that.

00:04:15.447 --> 00:04:16.168
Thank you very much.

00:04:16.209 --> 00:04:17.432
Thank you for being with us, Spencer.

00:04:18.180 --> 00:04:18.841
Yeah, thanks so much.

00:04:19.103 --> 00:04:22.132
All right, 60,000 countries, let's get into that no, I'm just kidding.

00:04:22.132 --> 00:04:26.949
Let's get into your first money memory.

00:04:26.949 --> 00:04:31.432
I want to see if there's any connection to that and what you're doing now with all these points.

00:04:32.420 --> 00:04:47.983
Yeah, it's interesting, I think for me it was probably making money doing not even home repairs, like helping tear down walls at a house that a friend's family was uh redoing, uh, and that was like the first time I think I'd really gotten paid for work.

00:04:47.983 --> 00:04:53.283
Uh, I was in high school, um, so that was just uh, that was a new moment for me.

00:04:53.283 --> 00:05:01.569
I was like, ah, I mean, you know, when you're making, like you know, 20, 40 bucks or whatever, you're kind of like, wow, all this money when you're, when you, when you go from not having any.

00:05:01.608 --> 00:05:08.559
But I think that was the first time that I really started thinking about it and then kind of moved into like freshman year of college.

00:05:08.559 --> 00:05:23.968
During the summer I would, I did another job and this was like repairing houses and things like that and I again it was just making a little bit more, a little bit more Um, and that was just kind of like okay, this is useful Um, and it basically working.

00:05:23.968 --> 00:05:34.500
That summer funded an unpaid internship the following summer, so that was a really important one for me, but you didn't want to go into general contracting after those repairs.

00:05:35.502 --> 00:05:40.512
I had a good time, um, but yeah, I had other things that I wanted to do and they didn't.

00:05:40.512 --> 00:05:47.264
Working in politics, uh, in college, they don't really pay you, they just tell you get experience, um.

00:05:47.264 --> 00:06:00.403
And so I had to uh fund living in DC for a summer when I was interning, and that all came from, uh, the the year before, um, so I've never really been a big spender, so it wasn't that hard to save it.

00:06:00.403 --> 00:06:02.848
It was just uh, yeah, it was all, it was all.

00:06:02.867 --> 00:06:18.959
All a plan, I guess, is the best way to put it a lot of internships don't pay you, regardless of what you know, industry yeah I think some, some have to now there's like new rules, but back then it was just like I'm doing the same job and not getting.

00:06:20.081 --> 00:06:21.785
Yeah it's.

00:06:21.785 --> 00:06:24.730
It's definitely interesting when you work on like political campaigns as an intern.

00:06:24.730 --> 00:06:27.855
You're like did I spend 80 hours a week here and not get paid at all?

00:06:28.661 --> 00:06:35.105
Oh, yeah, but think about all that you learned right and you're like, yeah, but I can't even afford to eat anything right now.

00:06:35.766 --> 00:06:36.990
So it's not important.

00:06:37.230 --> 00:06:39.363
Not important, did you?

00:06:39.363 --> 00:06:42.100
When you were making money in high school and you started these projects?

00:06:42.100 --> 00:06:47.473
Did you have anybody at home kind of prompting you to save money to you know?

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Was there anybody giving you life lessons on what to do with your money once you started earning it?

00:06:53.007 --> 00:06:53.649
That's interesting.

00:06:53.649 --> 00:06:58.595
I don't think there was any like specific lesson other than just like don't spend more than you have.

00:06:58.595 --> 00:07:19.627
But my dad also went through like he worked for a couple of companies that went out of business um kind of pretty quick succession when I was in go, kind of going into kindergarten and then coming out, and so I just kind of like saw what it was like to like be struggling to find not that he was like struggling, he, he did fine, but it was just losing a job sucks.

00:07:19.627 --> 00:07:29.603
It's really stressful and you have to really think about where your money's going and being you know couponing and stuff like that, and I remember my mom's like box of you know all those paper coupons that you'd cut out.

00:07:30.564 --> 00:07:33.351
Um, so I don't know, I just think that was just kind of always.

00:07:33.351 --> 00:07:34.541
I'm just always aware of it.

00:07:34.541 --> 00:07:39.752
Um, yeah, I think naturally I'm not really into stuff as much.

00:07:39.752 --> 00:07:47.134
All the little toys you see up here are like souvenirs from airlines, so it's not actually things that I'm just randomly buying.

00:07:47.134 --> 00:07:56.264
But yeah, but I think I was just kind of aware of the situation is the best way to put it Just kind of like seeing what that's like for your parents.

00:08:00.872 --> 00:08:01.634
All right, real quick.

00:08:01.634 --> 00:08:07.432
I want to speak to the person listening who feels like they can't work with a financial planner yet because they're carrying a lot of debt.

00:08:07.432 --> 00:08:10.526
First of all, I see you and I need you to know.

00:08:10.526 --> 00:08:12.432
You're not broken, you're not behind.

00:08:12.432 --> 00:08:13.805
You're just in a tough season.

00:08:13.805 --> 00:08:19.512
I created something just for you because I've had people reach out who are serious about changing their money story.

00:08:19.512 --> 00:08:23.461
But the full financial planning package just wasn't the right fit yet.

00:08:24.081 --> 00:08:30.065
So I built a new service through Oak City Financial that's focused completely on debt reduction no fluff, no shame.

00:08:30.065 --> 00:08:37.109
You'll get a one-time planning session, a personalized payoff strategy, your own financial dashboard and monthly coaching.

00:08:37.109 --> 00:08:42.412
If you want extra support while you climb out, it's $300 to get started and $100 a month.

00:08:42.412 --> 00:08:44.413
If you want that ongoing guidance, that's it.

00:08:44.413 --> 00:08:45.874
This is about helping you get unst100 a month.

00:08:45.874 --> 00:08:46.754
If you want that ongoing guidance, that's it.

00:08:46.754 --> 00:08:48.774
This is about helping you get unstuck, not making you feel like you failed.

00:08:48.774 --> 00:08:52.456
If this sounds like what you've been needing, go ahead and schedule a call with me.

00:08:52.456 --> 00:08:53.837
The link is in the show notes.

00:08:59.893 --> 00:09:01.155
Let's take the first step together.

00:09:01.155 --> 00:09:09.186
How did you transition from you know growing up seeing your dad face layoffs?

00:09:09.186 --> 00:09:11.010
Um, you said you're not a big spender.

00:09:11.010 --> 00:09:12.414
How did you take that into?

00:09:12.414 --> 00:09:15.202
Hey, let me maximize points and start traveling the world Cause that, I mean there's.

00:09:15.202 --> 00:09:18.294
That seems like a pretty big jump right.

00:09:18.294 --> 00:09:21.186
I mean walk us through that transition.

00:09:21.346 --> 00:09:39.565
Yeah, so I think, well, first off, I worked in politics, basically my sophomore year of college and then for like 10 years from there, from then on and you don't get paid a lot in most positions in politics If you work in the nonprofit world, same thing, and I did that, like you don't get paid a lot there.

00:09:39.565 --> 00:09:49.246
Um and so that it was paired with the fact, the fact that they really stressed work, don't take time off, there's important things we're doing here, we're helping people.

00:09:49.246 --> 00:09:52.639
You need to work, and so you're kind of always working.

00:09:52.639 --> 00:10:00.006
I mean, some campaigns are like 20 hours a day, seven days a week absolutely insane it's got to be against, like labor laws or something right.

00:10:00.629 --> 00:10:01.110
What are those?

00:10:08.100 --> 00:10:09.182
It's um, but I think it think it was.

00:10:09.182 --> 00:10:10.446
It was so it was coming out of that.

00:10:10.446 --> 00:10:12.149
I got my last political job at the us travel association um kind of fitting.

00:10:12.168 --> 00:10:18.020
But they, they kind of wanted to live the mission and so they would tell you to like take your time off, and that I thought it was a joke.

00:10:18.020 --> 00:10:21.190
At first I thought I was being pranked by one of like the vps there.

00:10:21.190 --> 00:10:25.826
He's asking me where I wanted to go this year, and I was like, oh I, oh, I'm good, I'm good, I'm just, I'm just working, um.

00:10:25.826 --> 00:10:31.235
So that was kind of what started me thinking about.

00:10:31.235 --> 00:10:38.542
Travel, was like, oh, I can take time off, um, and then from there it was just like find the cheapest flights to wherever I could go.

00:10:38.542 --> 00:10:42.868
And then I stumbled onto an article in our press clips that we would get each day.

00:10:42.868 --> 00:10:51.869
That was from a blogger which I kind of mocked because at the time I was used to reading, like the aviation journalist at the wall street journal, and so I was like what does this blogger think?

00:10:51.889 --> 00:10:52.330
they know.

00:10:52.750 --> 00:10:56.869
Um, he actually is super nice guy, friends with him now and he's he's super smart.

00:10:56.869 --> 00:11:06.812
But, um, I was poking around to site and started to see these things about like credit cards and using the points you earned with the credit cards to fly places, and I was like, oh, okay, um, that's interesting.

00:11:06.812 --> 00:11:09.285
Um, I never really cared about credit cards until then.

00:11:09.285 --> 00:11:14.365
And then I saw him posting about like business and first class flights and I was like, oh, I'm six, three, I could use that.

00:11:14.647 --> 00:11:16.922
I'll take like you write it, I'd like the space.

00:11:16.922 --> 00:11:18.846
So yeah, that's a.

00:11:18.846 --> 00:11:29.861
That's the long way of saying how I got into all of this how I got into all of this.

00:11:29.881 --> 00:11:41.029
Very nice, you said in your bio that you started helping friends and family, which we've had so many people on the podcast that all start with like, hey, I was just helping friends, I was helping my family members, and then you know their spouse is like, hey, maybe you could actually make some money doing this.

00:11:41.029 --> 00:11:42.615
Like nudge, nudge.

00:11:42.615 --> 00:11:48.847
What's your story with helping friends and family and getting into like making it an actual business?

00:11:49.509 --> 00:12:07.365
yeah, I'm somebody who's really intense about the things they like, so I got really excited to share it with everybody who is around me and truly, I moved from like helping friends and family to helping people in Facebook groups within the span of about like three months, of learning about points.

00:12:07.365 --> 00:12:25.832
I mean, I spent like four hours a night for like six months reading about all the credit card fine print and airline rules for their loyalty programs and as I was doing that, I was just like, oh, I can help with this question, and so I did that in Facebook groups and within about six to nine months, I started writing part-time about this stuff.

00:12:26.153 --> 00:12:28.558
So, yeah, you became the blogger.

00:12:29.842 --> 00:12:31.227
It was real fast Wow.

00:12:31.799 --> 00:12:33.105
The progression came quickly.

00:12:33.626 --> 00:12:38.349
Yeah, and so that was like part-time writing and then another six months and I moved full-time.

00:12:38.349 --> 00:12:49.110
Wow, you know, you spend 10 years building a career in one field and then six months after starting a part-time gig, you're just like I'm just gonna leave that behind.

00:12:51.561 --> 00:12:57.860
Was there, um any you know pushback from your partner in any way of like, wait a minute.

00:12:57.860 --> 00:13:02.181
You've been building your life in politics and now you want to be a blogger and talk about credit card points.

00:13:02.181 --> 00:13:03.664
I mean, that's a pretty big pivot.

00:13:03.965 --> 00:13:05.548
Also, what year approximately is this?

00:13:05.548 --> 00:13:09.628
Because, like you were saying, with the blogging was, it sounds like it was a new thing throughout the time period.

00:13:09.879 --> 00:13:14.461
It wasn't, it was, I would say we were kind of in the heyday of what I would call points and miles blogging.

00:13:14.461 --> 00:13:29.919
Now it's a lot of it shifted to like Instagram and Tik TOK and things like that, youtube even Um, but that was 2016 when I started writing and then by the end of the year, I'd signed on to do full-time writing.

00:13:29.919 --> 00:13:33.046
Basically, I just had enough freelance that I had to pick one or the other.

00:13:33.046 --> 00:13:33.847
So, yeah, it worked out well.

00:13:33.847 --> 00:13:34.509
I'm still here.

00:13:34.509 --> 00:13:36.293
It's changed.

00:13:36.293 --> 00:13:37.260
It's changed.

00:13:37.260 --> 00:13:39.308
It's changed a lot more social media content than before.

00:13:39.308 --> 00:13:43.789
But, yeah, it's been a fun journey.

00:13:44.460 --> 00:13:47.548
So no pushback then on making this big pivot.

00:13:47.548 --> 00:13:49.172
Not really, I think that's great.

00:13:49.440 --> 00:13:58.700
My wife at the time girlfriend like saw how excited I was about it, um, and she saw that I was getting opportunities to write and it was enough for me to make a living.

00:13:58.840 --> 00:14:02.049
So yeah, I'm sure she was probably hiding the nervousness.

00:14:03.100 --> 00:14:06.246
So did you have like a writing background in regards to some maybe the courses you?

00:14:10.576 --> 00:14:13.639
I was a poli-sci major, which is mostly just research and writing.

00:14:13.639 --> 00:14:23.673
So I was pretty well, honestly, like pretty well suited for taking in a lot of information and then trying to make it make sense in a shorter form and understandable.

00:14:24.215 --> 00:14:29.880
Yeah, see, at least your college degree still makes sense.

00:14:29.900 --> 00:14:33.865
When I was in politics, I was like nobody in politics cares if you studied poli, poli sci.

00:14:33.865 --> 00:14:37.870
They just want you to be an insanely hard worker and passionate and like that's it.

00:14:42.674 --> 00:14:45.745
We don't care if you're an engineer, a lawyer, whatever, just like come do the thing, um, but yeah, this was yeah, and this.

00:14:45.787 --> 00:14:46.307
this felt like the.

00:14:46.307 --> 00:14:49.376
This actually feels like uh, my degree applies more than it used to.

00:14:49.376 --> 00:14:50.239
Yeah.

00:14:50.860 --> 00:14:55.809
Let's get into how to actually utilize points miles.

00:14:55.809 --> 00:15:11.315
Can you if somebody is listening and I know a lot of people are wanting right to use points and miles, and on our podcast we've talked about the benefits of you know if you can use them responsibly using your credit cards on the things that you would normally spend money on anyways?

00:15:11.315 --> 00:15:17.182
Right, you are going to buy the diapers anyways, you might as well get some points and miles or whatever for them.

00:15:17.182 --> 00:15:24.731
Um, so if you can do that responsibly and you're looking to dip your toe into this world, you're more on the luxury side.

00:15:24.731 --> 00:15:26.197
Where do people get started?

00:15:26.197 --> 00:15:27.298
What do you?

00:15:27.318 --> 00:15:35.464
suggest it's whether or not you're trying to fly economy business first doesn't matter to me, like the concepts are still the same.

00:15:35.464 --> 00:15:41.436
You really just want to be lining up your spend with credit cards that have bonus categories where you spend your money.

00:15:41.436 --> 00:15:47.777
Uh, so if you spend a lot at the grocery store, at the gas station, going out to eat, whatever our flights hell.

00:15:47.777 --> 00:15:56.265
If you're a small business owner, um, and you're booking yourself flights to go to see clients, whatever, like wherever you're spending the money, just make sure your credit cards match that.

00:15:56.265 --> 00:16:13.322
Uh, that's just like the very basics, um, so it's, it's uh, it's always a little bit of work upfront, but I think that's like anything else we learn, um, but it's kind of doing those front loading, I guess, will set your set you up for success later, so you don't have to kind of think about it on the fly as much.

00:16:14.565 --> 00:16:23.703
That's one thing that Brandon and I don't do, and I've talked about this on a previous podcast is okay, use this card for gas, use this card for that.

00:16:23.703 --> 00:16:26.649
Mentally, I don't have the capacity for it.

00:16:26.649 --> 00:16:31.138
I would literally need to like put a little sticky note and tape it on my card which I know.

00:16:31.158 --> 00:16:37.361
I mean it's like you have to kind of hack your own life in a sense of like use this for dinner, use this for gas, use this for groceries.

00:16:37.361 --> 00:16:42.845
We're not, we're not doing that and I know we're not maximizing it, but we do like.

00:16:42.845 --> 00:16:56.535
We had big purchases recently, so we both ordered, ordered, opened new credit cards to get the 75,000 bonus miles, so that when we go to Jamaica for Christmas, boom, there's our flights Right.

00:16:56.576 --> 00:16:57.518
So, we're.

00:16:57.739 --> 00:17:06.442
we're strategic, but I know that we're not maximizing all that there is, so do you have any tips or suggestions on?

00:17:06.442 --> 00:17:18.454
How to do that without it feeling like this is now what you do for a living, like figuring out which card to use for which points and miles and bonuses what you do for a living, like figuring out which card to use for which points and miles and bonuses.

00:17:19.795 --> 00:17:19.996
Yeah it's.

00:17:19.996 --> 00:17:20.696
I mean it's a great question.

00:17:20.696 --> 00:17:22.321
I think what I tell people is there's three kind of basic approaches to points.

00:17:22.321 --> 00:17:28.625
Um, there's that keep it simple, like one to three cards, you've got the bonus categories that match your spending, and you just never think about it again.

00:17:28.625 --> 00:17:31.258
Um, a step further, I call it kind of a.

00:17:31.258 --> 00:17:44.200
It's a hub and supplement model where it's like you build a hub with, like we'll say, four to six cards focused on the bonus category still, but maybe also some benefits, kind of like airport lounge access, and then every so often you'll get a new card, kind of like the way you did.

00:17:44.200 --> 00:17:50.078
You're like, oh, I have a big purchase, let me get a signup bonus, cause you're never going to earn points faster than when you get a signup bonus.

00:17:50.078 --> 00:17:53.603
Um, so I think that's I.

00:17:53.823 --> 00:18:01.912
I see a lot of people that start maybe at the keep it simple and then they migrate in to the like let me just do a little bit more, uh, once they kind of have a handle on it.

00:18:01.912 --> 00:18:20.432
And then there's the maximalist approach, if you get like really obsessed, um, and that's basically like you get a new card, you hit the sign, the minimum spend for the signup bonus, and then you just repeat constantly and you will earn more points than the other two approaches by far, or at least faster.

00:18:20.432 --> 00:18:21.699
You're going to earn them faster.

00:18:21.699 --> 00:18:23.365
It's just more tracking.

00:18:23.365 --> 00:18:28.727
So you have to keep in mind, like, okay, an annual fee is hitting 12 months after I open this card.

00:18:28.727 --> 00:18:32.480
Now do you want to decide, like, is this a keeper or is it something I'm getting rid of?

00:18:32.480 --> 00:18:35.905
And so that one you just have to, one you have to mark down on your calendar.

00:18:35.905 --> 00:18:38.970
Like, okay, this is when this is coming up, is.

00:18:39.134 --> 00:18:41.080
And then you have to think about it, like is this a card I'll keep?

00:18:41.080 --> 00:18:42.065
Is this a card I'll get rid of?

00:18:42.065 --> 00:18:44.998
So it's, it's more effort but more reward.

00:18:44.998 --> 00:18:47.319
And it's again, there's no right way to do this.

00:18:47.319 --> 00:18:48.682
It's a choose your own adventure game.

00:18:48.682 --> 00:18:59.746
Uh, the analogy I always use, even though I'm not a golfer I have friends who go to the driving range every week and then they go the putting green and they practice, and they go play on the weekends and they're trying to best their score.

00:18:59.746 --> 00:19:04.603
And then I have other friends who joined them, who just show up on Saturday and drink beer and like have fun.

00:19:05.224 --> 00:19:06.307
They both have a great time.

00:19:06.307 --> 00:19:09.597
They are not going to get the same like they're not going to have the same score.

00:19:09.597 --> 00:19:12.260
The guy who's just drinking beer does not expect to get.

00:19:12.260 --> 00:19:15.624
What this guy practices every week is getting out of this.

00:19:15.624 --> 00:19:20.388
But both are having fun and it's just a matter of like how you choose to do that.

00:19:20.388 --> 00:19:21.810
It's the same thing with points.

00:19:21.810 --> 00:19:29.200
You kind of choose how much time or even interest you have, so it's there's no pressure.

00:19:29.200 --> 00:19:30.382
I think that's.

00:19:30.382 --> 00:19:33.567
The big thing is like this is an addition to your life, not the core.

00:19:34.714 --> 00:19:44.669
That's true I mean we definitely do, I would say some aspects of more than just the basic, because we definitely have, you know, recently downgraded a card that we weren't really using.

00:19:44.669 --> 00:19:46.035
We kind of you know realizing.

00:19:46.194 --> 00:19:50.833
No, it's on the calendar for october to downgrade well we downgraded one of my cards.

00:19:50.972 --> 00:19:54.482
Oh, you love calendars.

00:19:54.482 --> 00:19:59.976
Yes, everything's on the calendar and on the spreadsheet we definitely downgraded one of my cards because it was, like you know, the, like you said.

00:19:59.976 --> 00:20:04.659
The annual fee was coming up and we weren't really going to use it because we were using another card and the benefits for that.

00:20:04.659 --> 00:20:16.507
So we do have a hybrid approach, but yeah I definitely see where there is a wide variety as far as, like you could be kind of the basic or you could put put the time and effort into really maximize those benefits.

00:20:16.507 --> 00:20:17.208
Yeah.

00:20:17.367 --> 00:20:19.635
And there's again, like I said, there's nothing wrong with either.

00:20:19.635 --> 00:20:29.463
I think I started probably in the more maximalist, uh, end of things, not the simple side, just because, again, I'm really intense about what I'm learning, um.

00:20:29.463 --> 00:20:35.321
But then over time it's like okay, I've kind of set up my system and figured things out, and so I've kind of kind.

00:20:35.321 --> 00:20:51.914
But then over time it's like okay, I've kind of set up my system and figured things out, and so I've kind of come back into this more like hub and supplement model, where I'm like ah, here and there, I'm not rushed, I've earned a lot of points and I've got things maximized so that I'm continuing to earn points, both from personal spend, business spend.

00:20:51.914 --> 00:20:58.055
I will say, if you have a small business that spends a decent amount of money on credit cards, that's like the cheat code you open yourself up to business cards in addition to the personal cards.

00:20:58.055 --> 00:21:01.085
They have different bonus categories that are sometimes more lucrative.

00:21:01.085 --> 00:21:06.086
I mean, I've had clients who spend $20 million a year on credit cards for the business.

00:21:06.576 --> 00:21:09.164
And it was just like you're just stocked with points all the time.

00:21:09.164 --> 00:21:11.523
I mean, they don't even have to think about new cards.

00:21:11.934 --> 00:21:12.355
That's great.

00:21:12.596 --> 00:21:19.358
So it's like, if you have that, it doesn't even have to be 20 million, but it's just like the idea of like, if you have a lot of spend for your business, why not?

00:21:19.940 --> 00:21:26.940
Um, so, that's one thing that we are looking into for the podcast, because you know we do, it's not 20 million.

00:21:26.940 --> 00:21:37.440
I'll say that but it is one day right, but it is, you know, it's the subscriptions and the this and the that and the scheduling, I mean it all adds up.

00:21:37.440 --> 00:21:41.167
And so I did tell Brandon, because he obviously has his own financial planning business too.

00:21:41.167 --> 00:21:55.865
But I said we need to open a card with whatever really great bonus for the podcast this year, Like that's on the to do list again to maximize, because there's also, like you said, different perks, different bonus offers and even insurance.

00:21:55.924 --> 00:22:00.309
You know different kinds of insurance levels when you put things on the card, which is helpful.

00:22:00.990 --> 00:22:01.131
Yep.

00:22:02.516 --> 00:22:09.186
I know that when you're booking through, like the airline portal, that is not the way to get the most out of your points right.

00:22:09.186 --> 00:22:13.945
If I go to Delta, yes, the bank portal so you can book through.

00:22:14.067 --> 00:22:20.596
like if you have chase ultimate rewards points, you can book through the chase ultimate rewards portal versus transferring your points to an airline.

00:22:20.596 --> 00:22:23.002
So I always think about it as like portal and transferring.

00:22:23.403 --> 00:22:24.385
So which one is better?

00:22:24.385 --> 00:22:26.343
The portal, it depends.

00:22:29.035 --> 00:22:31.038
That's my favorite phrase.

00:22:31.038 --> 00:22:32.539
It depends.

00:22:32.859 --> 00:22:34.142
It's a it's a context thing.

00:22:34.142 --> 00:22:44.103
I would say if you want to fly business or first class, generally transferring points to an airline partner is your best bet, not always, but most of the time.

00:22:44.103 --> 00:22:46.775
So let's take chase points, for example.

00:22:46.775 --> 00:22:52.367
You can transfer them to 10 plus different airlines, as well as Hyatt for hotel stays.

00:22:52.367 --> 00:23:00.963
Then it becomes a game of arbitrage, like which airline do you transfer to that may allows you to book a flight for the fewest points?

00:23:00.963 --> 00:23:03.436
Um and so, it's just, it's a game.

00:23:03.436 --> 00:23:07.847
So chase can transfer to air Canada aeroplan or United mileage Plus.

00:23:08.256 --> 00:23:09.519
They're both in star Alliance.

00:23:09.519 --> 00:23:13.877
Since they're part of that Alliance, they can book flights within any of those partner airlines.

00:23:13.877 --> 00:23:15.923
It's the same, same alliance.

00:23:15.923 --> 00:23:20.878
So those two airlines, like uh, united and Air Canada, can book the many of the same flights.

00:23:20.878 --> 00:23:33.358
But one has, uh, let's say, an award rate of 60,000 points from I don't know JFK to in New York, to Zurich and Switzerland or something, and that's, you know, 60,000 airplane points.

00:23:33.358 --> 00:23:35.365
But United is going to require 88,000.

00:23:35.365 --> 00:23:37.771
It's a really obvious decision when you're transferring points.

00:23:37.771 --> 00:23:40.839
Now, sometimes it's a smaller difference, but it's it's that.

00:23:40.839 --> 00:23:42.443
That's where it becomes a game.

00:23:42.443 --> 00:23:48.826
Um, you have to figure out how these programs work and it's different depending on what route you're flying.

00:23:48.826 --> 00:23:51.239
All that and that's kind of fun for me, miserable for others.

00:23:52.019 --> 00:23:53.040
I was going to say it's.

00:23:53.040 --> 00:23:53.982
I don't think it's fun.

00:23:53.982 --> 00:23:55.144
It's so time consuming.

00:23:55.625 --> 00:24:02.763
It's and that I mean that's why I started the newsletter, is why I post content on Instagram, like I'm trying to make this process a lot easier, cause it's.

00:24:02.763 --> 00:24:08.682
It's actually kind of fun if you don't have to go through learning all the ins and outs, um, and you have lives.

00:24:08.682 --> 00:24:13.428
So like, why would you make this a full-time job, like me, if you're not doing it as a full-time?

00:24:13.469 --> 00:24:13.689
job.

00:24:18.894 --> 00:24:20.636
But that's, I think, the real core of what we try to do.

00:24:20.636 --> 00:24:25.343
There's some variation on like taxes and fees, so you're always going to pay the government taxes or airport fees.

00:24:25.343 --> 00:24:26.023
Those are the same.

00:24:26.023 --> 00:24:31.671
But some airlines have what we call carrier-imposed surcharges and those get passed on on award tickets as well.

00:24:31.671 --> 00:24:44.743
So knowing that if I book with Aeroplane or United they don't pass on the surcharges, so like I only have to pay the taxes, that's a good thing to know if the surcharges are going to be seven, eight, $900 for a one-way ticket.

00:24:45.204 --> 00:24:47.375
Sometimes the surcharges are 200 or 100.

00:24:47.375 --> 00:24:48.958
So it's not as bad, so it's just again.

00:24:48.958 --> 00:24:52.742
It's just, the more you do it, you start to become familiar with it.

00:24:52.742 --> 00:24:58.190
Or the more you read somebody doing it or watch somebody doing it, you just start to go oh okay, I remember that last time.

00:24:58.190 --> 00:25:01.365
Um, it's, I mean truly everything builds on itself.

00:25:01.365 --> 00:25:12.644
You just you start with these kinds of foundational things and as you go and learn, like about a different airline program, you start to notice the similarities with the last one and the differences and it just it's not like, oh, I have to learn everything today.

00:25:14.426 --> 00:25:15.048
I feel like you're.

00:25:15.048 --> 00:25:29.017
I feel like you're in a similar boat to me when it comes to the financial planning aspect, where, like for you, learning all this information is self-serving on two fronts, because obviously you can use it in your own personal life or your own travel, but then also, on the other side, you get paid for actually learning this information.

00:25:30.159 --> 00:25:34.846
We're saying for me you know learning more on all that I can from a financial planning standpoint.

00:25:34.846 --> 00:25:40.124
We utilize in our personal life when it comes to our own planning, but then also I get paid by doing that for other people.

00:25:40.124 --> 00:25:48.740
So most people are not going to be able to do what you do and what I do because they have another job that they have to get paid from and that takes up a good bulk of their time.

00:25:48.740 --> 00:25:56.459
So why not cut that down significantly from a time standpoint in your own life by utilizing professional who knows all the information already?

00:25:57.564 --> 00:25:58.086
Yeah, for sure.

00:25:58.086 --> 00:26:02.663
I mean, I have a quick start guide on my website where it's like here are the, like the basics of the basics.

00:26:02.663 --> 00:26:05.759
You just have to know these, excuse me, um.

00:26:05.759 --> 00:26:13.741
And then it's like, okay, I have some points and now, oh, the newsletter will just tell me what dates I have to I can book, and here's the different ways I can book them with the points.

00:26:13.741 --> 00:26:21.220
And so, oh, I have these points with, like chase or Amex, and this is the best way to use those, those points, for this particular flight.

00:26:21.220 --> 00:26:23.045
And like that's what I'm here for.

00:26:23.045 --> 00:26:37.575
It's I'm just trying to kind of move you through the process faster because, again, people are busy, like I think now more than ever, people work insane hours They've on top of having kids, even if you don't have kids, it's insane sometimes.

00:26:37.575 --> 00:26:44.339
So it's just, yeah, why, why stress out trying to get into the nitty gritty when there's ways to make it easier for yourself?

00:26:44.560 --> 00:26:48.241
Yeah, and also so also the thing is too.

00:26:48.241 --> 00:26:58.978
Is that like for individuals who are maybe listening, they're like, you know, I just I don't really care about my.

00:26:58.978 --> 00:26:59.477
You know where I'm sitting on the plane, I just want to get there.

00:26:59.477 --> 00:27:01.222
Yeah, trust me, once you try yeah, more than economy.

00:27:01.142 --> 00:27:03.719
It changes your viewpoint, because I had that viewpoint and you know I'm six foot three also, so I like space.

00:27:03.719 --> 00:27:05.122
But I had the same viewpoint.

00:27:05.122 --> 00:27:06.444
I was like, oh, I can deal with it.

00:27:06.444 --> 00:27:11.324
Then once I sat in business uh, first class I was like it's hard to go back.

00:27:11.463 --> 00:27:12.788
Don't do it unless you can do it mostly regularly.

00:27:12.788 --> 00:27:14.873
Because it's hard to go back, don't do it unless you can do it mostly regularly.

00:27:14.873 --> 00:27:15.535
It's hard to go back.

00:27:15.615 --> 00:27:24.703
We have our set where, like if the flight's going to be a certain time or more, we're like we got to do like at least business, or first you know, just because yeah, it's.

00:27:24.703 --> 00:27:26.287
I'm sorry, go ahead.

00:27:26.307 --> 00:27:41.181
I was going to say the thing is too is for individuals out there that maybe aspect of their job or they want to move up in their career.

00:27:41.201 --> 00:27:43.686
From a networking standpoint, you'd be surprised who you meet when you're sitting in business class and first class.

00:27:43.686 --> 00:27:44.308
So true, it's so fascinating.

00:27:44.308 --> 00:27:45.171
Nothing crazy, it's just like I've.

00:27:45.171 --> 00:27:52.307
So I also have a luxury travel agency and so I do like hotel bookings, cruises, luxury trains in like europe, and that's those are cash bookings.

00:27:52.307 --> 00:28:12.502
This is unrelated to points, but flying with points and being able to go to like not just like an airport lounge you get with your credit card, but like maybe a nicer lounge that's only accessible through either status or sometimes just flying in a certain class of service, like I've met people and like gotten new clients.

00:28:14.366 --> 00:28:16.349
It's so silly, right?

00:28:16.349 --> 00:28:18.073
Yeah, it's a it's.

00:28:18.574 --> 00:28:22.407
I'm there for the flight review and the lounge review, but also to pick up clients.

00:28:22.407 --> 00:28:25.818
Now it's I mean, it's amazing how that works.

00:28:25.818 --> 00:28:34.928
Uh, I actually first noticed that before I even got into points like I can't, I was flying home from a campaign, actually, actually, and I just happened to sit.

00:28:34.928 --> 00:28:51.008
I think I got upgraded to like domestic first class or something, because I just had status from flying quite a bit for work and I sat next to was like a VP from a bank and the person in front of me who heard us talking, was interested in our conversation, was like this prominent journalist and started talking with us.

00:28:51.008 --> 00:29:01.837
And I'm sitting here, is like I just work on campaigns and I was like, oh my God, you could just like network your way to better and better career opportunities just by sitting up here.

00:29:02.480 --> 00:29:03.923
It's being in the right spaces.

00:29:04.002 --> 00:29:05.086
It's being in the right spaces.

00:29:05.086 --> 00:29:15.007
I mean we a couple of years ago when, uh, just as former employer, we had the opportunity to go to the U S open and we went strictly with the idea of being in the room to network.

00:29:15.007 --> 00:29:18.622
That was it we're not golf people and it paid off, you know.

00:29:18.882 --> 00:29:21.047
Yeah, those the connections in that room.

00:29:21.407 --> 00:29:28.355
I mean that I'm still maintaining to this day, Absolutely I just love the idea of them being like what do you think of that shot on the 17th?

00:29:28.355 --> 00:29:29.096
And you're like the what?

00:29:29.096 --> 00:29:29.837
Oh, we're at a match.

00:29:29.857 --> 00:29:36.380
We're completely honest, we were completely honest and no one looked at us weird for like not being golf.

00:29:36.380 --> 00:29:38.196
People were like, we're all about an experience as well.

00:29:38.950 --> 00:29:42.394
They were all I mean yes, of course, if they're golf people, then they're golf people.

00:29:42.394 --> 00:29:54.465
But they totally understood like, no, we're here to like network and have a good afternoon and, yeah, have a good time, and that's absolutely I mean that's kind of what it is when you're going to the lounge or flying up front, like it's an experience.

00:29:54.787 --> 00:30:10.075
It's not just like I've flown to asia, flown to europe, sitting in the back of the plane with my knees in my chest, brandon, you know um like but it's it's like okay, I do it, but it's different, that's like you're dreading it.

00:30:10.095 --> 00:30:11.471
That's just a mode of transportation.

00:30:11.551 --> 00:30:16.374
It's a bit like all right, I'm getting on the bus because that's how I get from a to b, it's not.

00:30:16.374 --> 00:30:30.384
I'm getting you know into this spacious experience where I'm just going to relax and chill and, oh, a glass of champagne, fine, um you know, twist my arm three glasses of champagne, fine, um, but it's I don't know.

00:30:30.403 --> 00:30:36.480
It's a completely different experience and you're right, once you fly up front, it's really hard to go back.

00:30:36.480 --> 00:30:40.175
My friends joke when they hear me talking to kind of new people.

00:30:40.175 --> 00:30:43.471
They're like don't listen to him, he will ruin flying for you.

00:30:43.471 --> 00:30:51.019
Like you'll either go bankrupt or you'll really figure out how to use points like you're going to make this a priority, um, and that's, and that's what it is.

00:30:51.019 --> 00:30:51.942
For me, it's just a priority.

00:30:51.942 --> 00:30:58.501
I like I want to fly that way, and so that's why I put the effort in and I'm trying to help others do is do that as much as possible.

00:30:59.151 --> 00:31:02.441
Also, the thing is too, is that you know if you're going to take these trips anyways?

00:31:19.539 --> 00:31:19.700
one.

00:31:19.700 --> 00:31:22.020
Why not take to try this amazing hotel?

00:31:22.020 --> 00:31:23.662
Maybe it's a bucket list thing.

00:31:23.662 --> 00:31:28.944
I know people now because of white Lotus are talking about the four seasons in Koh Samui and it's like it's not a cheap hotel.

00:31:28.944 --> 00:31:35.553
So it's like if you're, if you get into the points world, it doesn't necessarily mean that you are kind of ruined financially.

00:31:35.553 --> 00:31:41.738
In fact, to participate in it you need a 700 plus credit score, you need a good income to get the cards you to earn the points.

00:31:41.758 --> 00:31:44.650
You just have to kind of pay the $700 annual fee.

00:31:45.151 --> 00:31:52.203
I mean, yeah, it's like if we're like I let's just be candid it's it's not a game for people who are financially struggling.

00:31:52.203 --> 00:32:07.089
It's a game, it's an extra like you shouldn't be involved until you've gotten to a place where you're state everything's stable and kind of going well enough and I just like this isn't something I'd like to see people get into if they're worried about hurting their credit or financial well-being.

00:32:07.089 --> 00:32:08.276
This is it's not worth it.

00:32:08.276 --> 00:32:15.041
But when you are at a certain point, a lot of people who earn points have the budget to book the flights or to book nice hotels.

00:32:15.041 --> 00:32:16.313
This just gives you some extra.

00:32:16.313 --> 00:32:21.913
On the other end, um, so if you have a travel budget, you're like, oh, I can go stay at this really nice hotel.

00:32:21.913 --> 00:32:27.936
Doesn't mean you do it every time, but maybe you know it's a special trip, um, or you're just somebody really likes, like nice hotels.

00:32:27.936 --> 00:32:29.619
More power to you.

00:32:32.890 --> 00:32:33.394
That's why I hate.

00:32:33.394 --> 00:32:40.159
There's one very well-known finance guy who says that credit cards are terrible, that we don't ascribe to.

00:32:40.159 --> 00:32:40.680
I know who it is.

00:32:41.770 --> 00:32:42.976
His name is Dave Ramsey.

00:32:42.976 --> 00:32:44.634
I don't know why you don't say his name.

00:32:44.694 --> 00:32:45.679
I was like why are we saying the name?

00:32:45.679 --> 00:32:46.119
Yeah, I don't know.

00:32:46.119 --> 00:32:47.375
I was like can we do initials?

00:32:47.375 --> 00:32:48.597
No, everybody say the name.

00:32:48.597 --> 00:32:48.978
Yeah, I don't know.

00:32:48.978 --> 00:32:49.598
I was like can we do initials?

00:32:49.598 --> 00:32:50.739
No, everybody knows we're talking about dave ramsey.

00:32:50.739 --> 00:32:55.442
He's blocked friends of mine on twitter for mentioning things to him where he's missed things.

00:32:55.663 --> 00:32:59.226
So the thing is like credit cards and of himself are not bad.

00:32:59.226 --> 00:33:05.894
It's a matter of if you use them improperly, that's when it's bad because, in all honesty, if you use a credit card the right way, it's great.

00:33:05.894 --> 00:33:12.430
One from like well, we're at the conversation we're having about benefits, but then also from a protection standpoint, like it's, there's nothing else that can protect you.

00:33:12.430 --> 00:33:14.557
The same way in regards to spending your money Right.

00:33:14.597 --> 00:33:27.592
Oh yeah, I've seen people have their debit cards hacked and the amount of hoops they have to desperately jump through quickly to get the money, cause it's already gone it's out of the bank account now and it's literally their money.

00:33:28.413 --> 00:33:30.936
I literally had somebody texting me the other day.

00:33:30.936 --> 00:33:33.221
That was, like you know, saying like hey, what should I do?

00:33:33.221 --> 00:33:34.663
Someone hacked into my bank account.

00:33:34.663 --> 00:33:40.191
I was like, oh, yeah, yeah, it's brutal.

00:33:40.211 --> 00:33:49.019
And so for me it's like I've had people steal any number of my credit card numbers, because it just happens over time, and a lot of the time they just send me a message.

00:33:49.019 --> 00:33:50.292
When it happens, they're like hey, is this you?

00:33:50.292 --> 00:33:51.758
Yeah, I'm like no, it's not.

00:33:51.758 --> 00:33:55.356
And they're like and you say no, and they're like cool, we've canceled your card and we're sending you a new one.

00:33:56.090 --> 00:34:04.076
And I've had cards show up the next day and it's like I've had friends who've had the same thing happen when they're abroad and they send the card to them abroad and they get.

00:34:04.076 --> 00:34:05.179
It's amazing.

00:34:05.179 --> 00:34:07.101
This is, I mean it's.

00:34:07.101 --> 00:34:09.925
I never thought I would love credit cards, but I do.

00:34:09.925 --> 00:34:14.079
I didn't care about them until I knew about points.

00:34:14.079 --> 00:34:19.762
Before it was just like okay, I don't spend more than I have, why do I need this like money to spend that I can't pay off?

00:34:19.762 --> 00:34:24.001
So to me, credit cards have always just been debit cards in a slightly different form.

00:34:25.610 --> 00:34:28.255
That was also how they were kind of put out to people.

00:34:28.255 --> 00:34:29.617
Like you know, don't get a credit card.

00:34:29.617 --> 00:34:32.420
That was also how they were kind of put out to people like you know, don't get a credit card.

00:34:32.440 --> 00:34:34.864
It's going to get you in trouble and obviously that narrative has changed.

00:34:34.885 --> 00:34:36.005
You do have to have the discipline.

00:34:36.005 --> 00:34:36.927
Yeah, of course you do, you do.

00:34:44.929 --> 00:34:49.206
You also have that narrative from like, when you go off to college and you have all those credit card companies sitting there first day orientation, trying to sign new 18-year-olds up for credit cards, knowing that more than likely, Are they still allowed to do that.

00:34:49.137 --> 00:34:49.902
Um, I think things have changed.

00:34:49.902 --> 00:34:51.679
Yeah, but um, you know we're older, so that was definitely a thing.

00:34:52.219 --> 00:34:57.775
No, yeah, you would go through like the promenade and all of a sudden, like it was, hey, get a free t-shirt, sign up for this credit card.

00:34:57.775 --> 00:35:04.047
And you had no idea what you were signing up for for every time you went to old navy, you know, or victoria's secret or anywhere.

00:35:04.047 --> 00:35:08.516
It's like here, sign up for this 30 percent apr credit card.

00:35:08.516 --> 00:35:12.302
And save 42 cents on this purchase, yeah, yeah.

00:35:12.382 --> 00:35:12.724
Yeah.

00:35:12.724 --> 00:35:24.012
So for me I'm I'm interested in credit cards for the protections and then the points and then even some of the benefits um around, like not just lounge access but the uh like an examples the chase uh ink preferred.

00:35:24.012 --> 00:35:24.835
It's a business card.

00:35:24.835 --> 00:35:33.922
If you pay your monthly cell phone bill and something happens to your phone, they will cover up to like $800 to help replace it.

00:35:33.922 --> 00:35:36.458
Obviously there's some like caveats you need to read the terms.

00:35:36.458 --> 00:35:46.378
But like that's a really nice thing and as someone who just recently broke a phone and had to get a new one, You're like, let me cash that in, please.

00:35:46.889 --> 00:35:48.155
I had the phone for two and a half years.

00:35:48.155 --> 00:35:51.295
We were on a good run, Even had the case on it.

00:35:51.295 --> 00:35:51.978
I don't know what happened.

00:35:51.978 --> 00:35:54.375
Somehow it hit just right and I was like great.

00:35:54.375 --> 00:36:00.177
But I pay my monthly bill with it every month and so I'll just file the insurance claim.

00:36:00.177 --> 00:36:06.760
So there's a lot of fun benefits with credit cards, as long as you're handling them responsibly.

00:36:08.181 --> 00:36:23.311
But yeah, yeah, I was telling um Brandon, one of our friends was mentioning that she has rental properties and had to replace, I think, a dryer and she had an extended warranty like an additional year from the manufacturer's warranty because of the business credit card.

00:36:23.311 --> 00:36:28.362
So again, you know that in itself paid for the annual fee, you know.

00:36:28.362 --> 00:36:29.193
So, as long as you.

00:36:29.193 --> 00:36:44.184
I think this is where the spreadsheet helps right when it's like okay, don't miss out on this perk, these benefits, these deadlines, you know things like that, because you do need to make sure that you're getting bare minimum the whatever annual fee that you've spent.

00:36:44.344 --> 00:36:49.485
you want to at least get yourself back to zero right and get that benefit yeah, and it's.

00:36:49.846 --> 00:36:55.300
it's interesting too, like one of the ones I've used in the past is like trip delay, so different cars if you're.

00:36:55.300 --> 00:37:03.253
You know flights delayed or canceled, say, six or twelve hours is usually the time frame, uh, depending on the card for the delay.

00:37:03.253 --> 00:37:06.039
Like I use that once, three times in like four months.

00:37:06.039 --> 00:37:11.811
That's, that's insane and it doesn't usually happen that way, but I mean it's really handy.

00:37:11.811 --> 00:37:19.860
When I guess one of them was I was at New York, in New York, at JFK, and I remember looking out the window from the lounge, thank you.

00:37:21.545 --> 00:37:53.643
And then I like went to get food and I came back and I couldn't even see the plane in front of me because it was raining so hard, and so they canceled all the flights out of there, out of jfk, that night and I like immediately jumped on my phone, went to maybe the hilton app and like booked a room and there was like there were like two rooms left and this was four hundred dollars because it was two hundred two rooms left or something, and the credit card will cover up to five hundred dollars um of like reasonable expenses including a hotel, hotel room, food, local transportation.

00:37:54.150 --> 00:38:02.802
So even with the $400 hotel room, I was still able to like, squeeze in Uber rides to and from the hotel and get some food at the hotel, and it was all covered after I filed the insurance claim.

00:38:02.802 --> 00:38:09.192
Meanwhile, if it's a weather delay and you don't book with a credit card or trip delay protection, you're on your own.

00:38:09.192 --> 00:38:13.489
The airline's going to be like oh sorry, not our fault, and it's not, it's not their fault.

00:38:13.489 --> 00:38:16.735
I get that, but doesn't mean that it doesn't affect you.

00:38:17.719 --> 00:38:21.032
Right yeah, such an inconvenience, no those are things too.

00:38:21.032 --> 00:38:30.277
I always forget about trip delay, but it absolutely is something where you can again make that experience that now stinks because you were looking to get home to your family.

00:38:30.277 --> 00:38:31.559
Maybe you've been traveling for days.

00:38:31.559 --> 00:38:32.782
You're just like exhausted.

00:38:32.782 --> 00:38:35.291
Well, it's better to you know.

00:38:35.291 --> 00:38:38.278
You're in the lounge, you've got a nice meal, you've got some drinks.

00:38:38.380 --> 00:38:48.144
Now you can go to a nice hotel, you know, and and you don't have the added stress of oh, this is going to cost me an arm and a leg, or I wasn't planning for this expense so yeah absolutely worth it.

00:38:48.746 --> 00:38:49.567
Yeah, so that's fun.

00:38:50.449 --> 00:39:04.561
Spencer, for anybody listening and I know you're going to say it depends, but just come on, do me right here Somebody starting out name two of your favorite credit cards for us.

00:39:04.969 --> 00:39:06.434
I like that you gave me the option for two.

00:39:06.635 --> 00:39:07.317
Thank you.

00:39:07.317 --> 00:39:09.731
I'm being kind you are.

00:39:09.731 --> 00:39:10.516
It was very nice of you.

00:39:10.635 --> 00:39:14.335
Um, I would say along the lines of like, just keep it simple.

00:39:14.335 --> 00:39:19.916
Um, the capital one, venture X, is one of my favorites for people who just like, don't want to think about it.

00:39:19.916 --> 00:39:22.851
Um, it earns two X on basically everything.

00:39:22.851 --> 00:39:25.077
Um, pretty, I mean everything.

00:39:25.077 --> 00:39:29.563
But if you use their travel portal so functionally in your day-to-day life, 2x on everything.

00:39:30.126 --> 00:39:42.155
I don't think you should have one point per dollar on anything, and so for me, some card like that should always be a part of your wallet anyway, because I think a lot of us do spend on category or on products that don't fall into a bonus category.

00:39:42.155 --> 00:39:48.396
Not everything can be bought at the grocery store, so that, to me, is just like a really good base.

00:39:48.396 --> 00:39:51.704
And the Venture X also comes with some lounge access, so that's nice.

00:39:51.704 --> 00:40:02.297
And then, man, a second one If you wanted to get we'll say deeper into the points there's this kind of saying we have to just start with Chase.

00:40:02.297 --> 00:40:07.237
Chase has some restrictive rules on which cards you can get after you've gotten so many.

00:40:07.237 --> 00:40:12.021
So getting what you can from Chase at the beginning is a good idea.

00:40:12.021 --> 00:40:19.257
So, like the Chase, sapphire Preferred or Sapphire Reserve are good options, especially if you go out to eat and travel a decent bit.

00:40:20.019 --> 00:40:20.420
Very nice.

00:40:20.730 --> 00:40:21.755
We have both of those cards.

00:40:21.934 --> 00:40:22.217
Yes.

00:40:22.550 --> 00:40:24.001
The Chase and the Capital One.

00:40:24.001 --> 00:40:24.809
There you go.

00:40:24.809 --> 00:40:26.335
See, you guys are already on your way.

00:40:26.670 --> 00:40:31.543
Well, because again I can't mentally be like which card to use for which transaction.

00:40:31.543 --> 00:40:33.237
So the two times points is great.

00:40:33.237 --> 00:40:38.382
Now we do look at you know those bonus kind of categories, or every you know month they kind of change.

00:40:38.382 --> 00:40:45.304
Like I ordered flowers for somebody last month and on a Capital One it was like 20 times the points.

00:40:45.304 --> 00:40:50.940
So, yeah, I went with that flower vendor so I got 20 times the points on the $100 flowers that I bought.

00:40:50.940 --> 00:40:58.326
That just I mean, we're definitely doing things like that, yeah, so like Capital One has the Capital One offers, where you can get those bonuses.

00:40:58.728 --> 00:40:59.150
Very easy.

00:40:59.869 --> 00:41:02.338
Chase and Amex have their own offer section.

00:41:02.338 --> 00:41:03.695
Those are typically discounts.

00:41:03.695 --> 00:41:05.556
Sometimes Amex does bonus points.

00:41:05.556 --> 00:41:11.010
Yeah, there's all kinds of things, shopping portals you can go through.

00:41:11.010 --> 00:41:20.414
Um, so yeah it's similar, so so chase, with the ultimate rewards uh program, has a portal for shopping there.

00:41:20.414 --> 00:41:29.297
Amex doesn't have a shopping portal but if you have an Amex membership rewards card you can link it to Rakuten If you know that shopping portal and you can link it to Rakuten if you know that shopping portal.

00:41:29.338 --> 00:41:34.065
Yeah, and you can choose to be paid in Amex membership rewards points instead of cash back.

00:41:34.065 --> 00:41:41.018
So basically, if you see 3% cash back and it's basically three points per dollar instead of 3%.

00:41:41.340 --> 00:41:48.016
Yeah, I just saw somebody else post about that who had over 400,000 Amex points because of them shopping on.

00:41:48.016 --> 00:41:51.594
Rakuten Again something we're not tapping into, but probably should.

00:41:51.634 --> 00:41:59.992
I'll add it to my list we've been using our amx so yeah, yeah you know, what's really interesting about that one to me is people love shopping portals and I know they earn so many points from them.

00:41:59.992 --> 00:42:02.661
I just don't shop a lot and so yeah, for me.

00:42:02.661 --> 00:42:15.978
I'm always like it's just not that big a deal to me, um, but when you do actually have to make a big purchase and it's like, oh, 5x or 10x or, if you get it lucky, a 15x like promo and just wait till your kids get older.

00:42:15.998 --> 00:42:19.253
That's the moment, yeah, it's, your child gets older, more and more.

00:42:19.293 --> 00:42:43.840
Oh no yeah, yeah, I actually know I have friends who they buy a lot of stuff on amazon for like baby products or whatever, and so they have like a credit card that earns 4X at the grocery store and so they'll buy Amazon gift cards for 4X points at the grocery store and just load up their Amazon account knowing that they have to spend it because they would otherwise earn 2X on Amazon.

00:42:43.840 --> 00:42:47.615
So they're just like, let me just double the points I'm getting paying for all these kids.

00:42:49.652 --> 00:42:51.920
Maybe we need to tap into everything on.

00:42:52.150 --> 00:42:53.936
Amazon we do.

00:42:54.016 --> 00:42:55.581
It's so funny, oh my gosh.

00:42:55.961 --> 00:43:03.701
Okay, let's do a little bit of a rapid fire, because we know that you've taken some incredible trips and flights and lounge experiences.

00:43:03.701 --> 00:43:07.054
So I want to you know, live vicariously through you.

00:43:07.054 --> 00:43:10.083
Let's start simple aisle or window seat for you.

00:43:10.083 --> 00:43:16.338
Both If you're flying up front, you can have both.

00:43:16.338 --> 00:43:17.802
Okay, we haven't flown that far up front yet.

00:43:17.822 --> 00:43:20.297
Clearly you can if you fly business on an international flight?

00:43:20.297 --> 00:43:23.751
Yeah, it's just they usually do like one two, one seating arrangement.

00:43:23.791 --> 00:43:38.539
So as long as you're in that one, you gotta you get both, you get both or if you're in a very tiny plane or if you're very, that's not the luxury I'm talking about.

00:43:38.719 --> 00:43:41.965
Yeah, just fly overseas, find those long haul flights.

00:43:41.965 --> 00:43:45.597
Yeah, because how can you turn down a window?

00:43:46.097 --> 00:43:47.702
I know you just need space.

00:43:48.001 --> 00:43:52.172
Always turn down the window, okay yeah he always picks the aisle, but do you?

00:43:52.695 --> 00:43:55.106
yeah, I guess if you're sitting next to somebody, I definitely get that.

00:43:55.106 --> 00:44:13.199
It's when you're on your own, though, and there's nobody to crawl over, um yeah, pick the window it's like, then it's nice you're on your own, got a little privacy yeah I'm somebody who, like this is where I'm just like a plane nerd, is like I'll just watch the engine while I'm like looking out the window, like that's what fascinates me.

00:44:14.262 --> 00:44:15.483
I can say 100%.

00:44:15.483 --> 00:44:17.195
I've never done that either.

00:44:17.275 --> 00:44:19.103
Yeah, just you have to think about like man.

00:44:19.103 --> 00:44:21.110
You're actually up here all because of the you know.

00:44:21.311 --> 00:44:21.630
Matt.

00:44:21.630 --> 00:44:23.333
No, yeah, I love that.

00:44:23.333 --> 00:44:24.434
You're like nerding out about that.

00:44:25.036 --> 00:44:25.856
Oh yeah, I love planes.

00:44:25.856 --> 00:44:28.300
I'm that person, I'm that person.

00:44:28.320 --> 00:44:32.365
So what has been your most luxurious flight and where were you going?

00:44:33.190 --> 00:44:34.737
Oh, that's a good question.

00:44:34.737 --> 00:44:36.572
I don't.

00:44:36.572 --> 00:44:41.980
I'm trying to think which one maybe Singapore Suites Singapore Airlines has on their A380.

00:44:41.980 --> 00:44:43.233
It's a double-decker plane.

00:44:43.233 --> 00:44:44.277
For those who are unfamiliar.

00:44:44.277 --> 00:44:47.697
I really like their first class.

00:44:47.697 --> 00:44:51.518
It's huge, like you have a seat plus a separate bed.

00:44:51.518 --> 00:44:54.157
Your seat can rotate around.

00:44:54.157 --> 00:44:54.659
It's pretty cool.

00:44:54.659 --> 00:45:01.181
I've got a fun like if anybody saw Austin Powers back in the day, like Dr Evil, like video of me turning around in the chair.

00:45:01.181 --> 00:45:01.722
It's pretty great.

00:45:01.722 --> 00:45:07.237
But the crews are just so nice, like they're so good at what they do.

00:45:07.237 --> 00:45:09.655
They serve really nice champagne.

00:45:09.655 --> 00:45:10.617
They have great food.

00:45:10.617 --> 00:45:11.519
I mean, what's not to like?

00:45:11.971 --> 00:45:27.791
So that was a flight from Sydney Sydney, yeah, sydney to Singapore, and I did a stopover as part of the award ticket, and then it included another flight, same class of service, to Hong Kong a few days later, so got to see a couple cities out of it.

00:45:28.333 --> 00:45:29.894
That was awesome, but I've had a ton of like.

00:45:29.894 --> 00:45:36.342
Truly, I've been so fortunate to have just tried most of the fun products out there Um, it's, uh, it's.

00:45:36.342 --> 00:45:47.023
I'm not going to be mad about flying any of them, but that was a special one, very nice.

00:45:47.023 --> 00:45:48.650
What is your favorite lounge and where is it located?

00:45:48.650 --> 00:46:03.590
That's a great question.

00:46:03.590 --> 00:46:04.373
I don't know if I have a favorite one.

00:46:04.373 --> 00:46:05.275
No, I think personally, it's called the pier.

00:46:05.295 --> 00:46:06.478
It's in Hong Kong's airport for Cathay Pacific first class.

00:46:06.478 --> 00:46:06.739
I don't know.

00:46:06.739 --> 00:46:07.521
There's just something about it that's.

00:46:07.521 --> 00:46:08.204
I've been to it a number of times.

00:46:08.204 --> 00:46:09.648
It's just a special restaurant, you know, it's a whole thing.

00:46:09.648 --> 00:46:13.619
You can look at planes from, um, from the seating area.

00:46:13.619 --> 00:46:17.592
They also have little nap pods or like nap rooms where, again, you can watch planes.

00:46:17.592 --> 00:46:21.387
Um, notice the trend tarmac views are the best.

00:46:21.387 --> 00:46:24.655
If you have a lounge, you want to be able to see the planes take off and land, stuff like that.

00:46:24.655 --> 00:46:30.706
Um, but yeah, I'll give us an honorable mention to uh, swiss, uh uh.

00:46:30.706 --> 00:46:39.780
In Zurich they have the business and first class lounge, have a terrace where you can stand outside, um, and just like watch planes land and stuff like that.

00:46:39.809 --> 00:46:41.675
And it's you know it's like it's just.

00:46:41.717 --> 00:46:44.215
it's a beautiful place too, you know, I think Switzerland is nice.

00:46:44.489 --> 00:46:45.755
That's how Atlanta's airport is as well.

00:46:45.755 --> 00:46:47.697
The one lounge we were in has a terrace.

00:46:50.530 --> 00:46:51.351
You can go out down, oh the centurion.

00:46:51.371 --> 00:46:53.840
Yeah, yeah, they do have a terrace, you can go out atlanta in the summer is just different.

00:46:53.860 --> 00:46:56.358
It's where my dad's family's from, so it's like it's not as easy to be like.

00:46:56.358 --> 00:47:02.295
Ah, enjoy this like nice breeze and it's like, oh, it's 105 85 humidity.

00:47:02.295 --> 00:47:05.461
You walked outside and immediately were sweating.

00:47:05.481 --> 00:47:06.684
So that's not the same.

00:47:06.869 --> 00:47:09.054
Yeah, I wouldn't recommend it in the middle of the summertime.

00:47:10.396 --> 00:47:15.925
Out of the non like luxury airlines for people who are, you know, doing the Deltas United's Americans.

00:47:15.925 --> 00:47:19.237
Do you have a favorite amongst kind of the standard?

00:47:20.059 --> 00:47:20.842
domestically.

00:47:20.842 --> 00:47:23.317
I like Alaska Airlines, even though I'm on the East Coast.

00:47:23.317 --> 00:47:25.001
I've had good experience with them.

00:47:26.550 --> 00:47:26.711
Wait.

00:47:26.711 --> 00:47:27.976
Who do they partner with what?

00:47:27.976 --> 00:47:28.918
What partner?

00:47:29.650 --> 00:47:31.135
Their alliance is One World.

00:47:31.135 --> 00:47:33.043
That's a more recent development.

00:47:33.043 --> 00:47:35.331
Um, so American airlines is a partner of theirs?

00:47:35.331 --> 00:47:38.077
Um, but yeah, they're.

00:47:38.077 --> 00:47:41.791
I've, I've enjoyed them when I'm flying out in the West coast or to the West coast.

00:47:41.791 --> 00:47:44.478
Um, yeah, that's a good one.

00:47:45.259 --> 00:47:46.641
Tell us, too, about you.

00:47:46.641 --> 00:47:52.222
Have a complimentary portion of your newsletter and a upgraded paid version.

00:47:52.650 --> 00:47:52.811
What do?

00:47:52.831 --> 00:47:54.677
you get in each for those listening who are?

00:47:54.677 --> 00:47:56.543
Like, let Spencer do the work for me.

00:47:57.246 --> 00:48:05.264
Yeah, so the basics of this all started around me sending out award space for business and first class flights on international routes.

00:48:05.264 --> 00:48:09.318
Specifically two or more seats, because those are the hardest to find.

00:48:09.318 --> 00:48:12.806
Specifically two or more seats, because those are the those are the hardest to find.

00:48:12.806 --> 00:48:18.864
Um, business in first class can be tough to find for one person, but two, four, six, when you start getting into families, um, that's where it's really tough.

00:48:18.864 --> 00:48:20.351
So I'm always looking for multiple seats.

00:48:21.273 --> 00:48:31.271
Um, so I basically send out the exact dates you can book, the different programs you can use to book and how many points each requires the taxes and fees you'll have to pay.

00:48:31.713 --> 00:48:37.655
And then I do have a section where I break down and explain, like, why you would use one program to book versus another.

00:48:38.456 --> 00:48:59.081
Um, like I was mentioning, you can book similar flights if you are um with like air Canada or United's programs and just kind of, hey, if you have these points transferred to air Canada, but if you have this, uh, if you're flying from this airport and you have these points transferred, united stuff, like that, I'm just kind of removing the thought process for you and just saying just follow these steps.

00:48:59.871 --> 00:49:07.934
Um, cause it's and it's different because, uh, you know you'll have times where Amex or chase will run a transfer bonus to one of their partners, and so one program could be the best option this time.

00:49:07.934 --> 00:49:14.739
And then a transfer bonus to one of their partners, and so one program could be the best option this time, and then a transfer bonus pops up and now it's another program.

00:49:14.739 --> 00:49:16.369
So it's just a lot to keep up with.

00:49:16.369 --> 00:49:18.875
So I try to just explain that as simply as possible.

00:49:18.875 --> 00:49:22.903
Um, those, that kind of explanation.

00:49:22.903 --> 00:49:29.913
You know the number of points, the taxes and fees, the different uh banks you can transfer points from and the exact dates.

00:49:29.913 --> 00:49:31.496
Those are like pay, that's the paid version.

00:49:31.835 --> 00:49:40.782
That's the premium version, so the free version and the paid version both get kind of a quick like here's how to search for the award space.

00:49:40.782 --> 00:49:46.554
They get uh kind of a rundown of what the flight will be like, but the free version only gets like the date range.

00:49:46.554 --> 00:49:49.425
So I'll tell you it's like January to June of 2025.

00:49:49.425 --> 00:50:06.902
Um, I'm not going to lay out all the dates for you and and I'll tell you what airline, what airline it is and what routes you can fly and how many seats you can find, um, and then after that it's kind of up to you to decide how you want to use your points and find the space and um, yeah, so it's.

00:50:06.902 --> 00:50:18.023
It's for people who are really really good at it and don't need the information, but I also send it out like 72 hours or more later.

00:50:18.023 --> 00:50:19.188
So if you're okay missing things, that's also up to you.

00:50:19.811 --> 00:50:22.860
So if you want it early and want details, you've got to go paid.

00:50:22.860 --> 00:50:26.355
If you're okay with just kind of like the general information.

00:50:26.835 --> 00:50:36.764
You can stick with the complimentary I think that's totally fair because, like you said, it's so much work that you're putting into doing these searches and teeing everything up and really making it brainless.

00:50:36.824 --> 00:50:38.653
Right, you can look at everything and then go book.

00:50:38.653 --> 00:50:39.838
I mean that's awesome.

00:50:40.181 --> 00:50:42.190
I have a few friends on the list who say that I idiot.

00:50:42.190 --> 00:50:44.576
Proof it for them yeah that's amazing.

00:50:44.576 --> 00:50:51.300
Like that's a little strong, but I do try to make it just a less time intensive and energy intensive process.

00:50:51.300 --> 00:50:58.474
Um, I like to say it's a premium product, then yeah, it's only $99 a year, so it's like I say it's 27 cents a day.

00:50:58.474 --> 00:51:02.045
Um, it's, it's really not that bad.

00:51:02.045 --> 00:51:03.849
Um, I still want it to be accessible.

00:51:03.849 --> 00:51:08.842
I'm not trying to like prevent people from getting this, Um, so yeah, that's amazing.

00:51:12.309 --> 00:51:13.733
People from getting this, Um, so yeah, that's amazing.

00:51:13.733 --> 00:51:20.275
If you had one piece of advice for our audience listening who they want to get started, maybe they want to like level up a little bit from where they are what would you say?

00:51:21.878 --> 00:51:25.695
Just dedicate like I don't know, an hour a week, even just to start.

00:51:25.695 --> 00:51:34.219
If you've got 30 minutes a day, just like read um blog posts or I mean, you don't need to go into the actual airline programs Like I did.

00:51:34.219 --> 00:51:37.471
Um, I post content on Instagram at straight to the points.

00:51:37.471 --> 00:51:40.721
If you want to like see things there, you can also look for a lot of.

00:51:40.721 --> 00:51:42.652
There's a lot of different blogs that cover the basics.

00:51:42.652 --> 00:51:45.034
Um, don't be afraid to ask questions.

00:51:45.034 --> 00:51:45.835
That was a big thing.

00:51:45.835 --> 00:51:46.836
So I asked.

00:51:46.836 --> 00:51:47.918
I answer a lot of questions.

00:51:47.918 --> 00:51:53.085
People DM me questions all the time on Instagram and you know I'm there to try to help as much as I can.

00:51:53.465 --> 00:51:54.425
People make your life simple.

00:51:54.425 --> 00:51:59.018
Just the $99 for the year yeah, subscribe to my newsletter.

00:51:59.018 --> 00:51:59.398
Yes.

00:52:00.661 --> 00:52:08.865
We'll put that in the show notes, of course, so that we can, you know, help you get the, the take the guesswork out of it and let Spencer do all the hard work.

00:52:08.865 --> 00:52:11.170
So thank you so much for being with us.

00:52:11.170 --> 00:52:23.715
We want people to enjoy life and the fruits of their hard labor and for us, travel is always number one on the list and exploring new places, new cities, new countries, and now we're starting to do that with our families.

00:52:23.715 --> 00:52:27.994
So definitely need to start looking into those multiple seat situations.

00:52:27.994 --> 00:52:29.878
Like you said, it is hard to find.

00:52:29.878 --> 00:52:33.474
So we'll be, you know, utilizing your newsletter as well.

00:52:33.474 --> 00:52:44.552
But thank you for doing all the hard work for us and for you know, making it accessible and approachable and taking kind of the intimidation factor out of it.

00:52:44.552 --> 00:52:48.663
You talk about it so casually and so easily.

00:52:48.663 --> 00:52:53.315
I think that that's very helpful for people who are feeling like it's intimidating.

00:52:53.315 --> 00:52:55.340
So thank you for the work that you're doing, Spencer.

00:52:55.951 --> 00:52:56.875
Thank you guys for having me.

00:52:56.875 --> 00:52:57.458
I appreciate it.

00:52:57.849 --> 00:52:58.472
Absolutely.

00:52:58.472 --> 00:53:00.056
Don't forget.

00:53:00.056 --> 00:53:05.853
Benjamin Franklin said an investment in knowledge pays the best interest you just got paid.

00:53:05.853 --> 00:53:07.375
Until next time.

00:53:07.375 --> 00:53:10.418
Thanks for listening to today's episode.

00:53:22.030 --> 00:53:23.634
We are so glad to have you as part of our sugar daddy community.

00:53:23.634 --> 00:53:30.199
If you learned something today, please remember to subscribe, rate, review and share this episode with your friends, family and extended network.

00:53:30.199 --> 00:53:32.757
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00:53:32.757 --> 00:53:45.858
At the sugar daddy podcast, you can also email us your questions you want us to answer for our past the sugar segments at the sugar daddy podcast at gmailcom or leave us a voicemail through our Instagram.

00:53:46.501 --> 00:53:48.896
Our content is intended to be used, and must be used, for informational purposes only.

00:53:48.896 --> 00:53:52.233
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00:53:52.233 --> 00:53:59.757
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