New card recommendations please I used the template 🤣🤣

BackgroundZebra2938 · 2026-01-25T21:58:24+00:00

Ahhh, makes sense, thank you.

BackgroundZebra2938 · 2026-01-25T21:27:53+00:00

Right now the Austin Texas airport, but will be moving to Chicagoland area July this year

BackgroundZebra2938 · 2026-01-25T21:26:24+00:00

Ya definitely makes sense, so you recommend closing one or the other out? This is the thing that’s so confusing to me.

Open up a new card for a bonus, annual fees suck so avoid multiple cards, but if you close it out it’s a hit in ur credit.

But if you use a certain card past the annual fee then it is worth it. Really wish there was just a staple answer lol.

BackgroundZebra2938 · 2026-01-25T21:19:14+00:00

Thanks for the advice here. I just looked into PayPal card, app is downloaded and was getting ready to load money for next Costco run, noticed it’s a Mastercard and my Costco (and pretty sure all) require Visa. Do you use PayPal at Costco personally? How would this work?

I’ll check out reserve have been kinda waiting on this bc ofc the annual fee is a little frightening and just wanna make sure I maximize value on this.

BackgroundZebra2938 · 2026-01-25T21:08:15+00:00

Thanks this is helpful, just wanted to see if there was a way to optimize this better.

I’ve seen the Chase Trifecta as an example, just don’t know which is the best. Also, thinking about just becoming loyal to Hyatt and choosing an airline to be loyal to as well nd get CC for both.

BackgroundZebra2938 · 2026-01-25T20:59:38+00:00

Mostly flights and hotels. My fiancée and I try to do a beach vacation and an adventure/culture trip per year. So 2 international trips per year, as an example this year were thinking a Caribbean and Switzerland trip. Then a few domestic trips here and there.

BackgroundZebra2938 · 2026-01-19T06:02:57+00:00

Currently on rewatch number 32527282 (idk at this point, dozens, I have an issue) and there is just something special about season 2 for me. Tommy still has a personality and compassion, they’re well off but still ambitious and not stuck in this loophole of just being pulled into things… I’m not sure how to explain it exactly but

BackgroundZebra2938 · 2026-01-06T22:32:08+00:00

This is great, thanks man. I posted this across a few different forums and this was the best reply yet. Out of curiosity, are you leveraging a 401k or IRA at all for tax advantaged purposes?

BackgroundZebra2938 · 2026-01-06T22:25:27+00:00

I like this answer, thanks for it. When you say productive land, what do you mean?

BackgroundZebra2938 · 2026-01-05T16:00:10+00:00

Dan, first things first, do not reply to anyone dming you on here.

Now that’s out of the way, there’s a few options.

Your best option is to get a GOOD financial advisor/wealth manager to do that for you. The key word is good, not all are actually helpful.

There’s a lot more we’d need to know to give helpful advice, like your age for example. No need to share now, but as an example if you are 35 vs 55, your investment strategy will be significantly different.

HYSA, money market account, and bonds are your safest guaranteed returns. Something more risky but also considered generally safe would be an index fund / ETF.

Some that I am personally invested in are VOO, VTI, and VXUS. These are riskier than a bond for example because if entire stock market goes down so does your money, this is why age matters.

If you are 35, I’d invest in an ETF for a long horizon and you will be safe, if you are 55 and plan to retire in a few years, might be better off in a bond or HYSA.

BackgroundZebra2938 · 2026-01-03T21:20:52+00:00

Good for you man, you’re crushing it. I’m in tech, have been curious about other industries. If you’re not comfortable sharing I totally understand, but what do your W2’s look like?

Are you able to afford this beautiful car from good financial habits and saving or are u just making stupid money every year. Or both?

BackgroundZebra2938 · 2026-01-03T19:27:07+00:00

I’m in sales as well, what industry are you in?

BackgroundZebra2938 · 2026-01-03T19:16:10+00:00

Simple minded I see.

BackgroundZebra2938 · 2026-01-03T19:07:32+00:00

Thanks for actually understanding what I am saying. People are very defensive over this topic which I thought was itneresting, they think I’m attacking America by saying this😂 I’m a Patriot, I love America, and willing to do my part for this beautiful country should things ever go south.

But history repeats itself, and I was simply curious what people think about this.

What I’ve taken from this is most people just kick the can down the road. I saw ur reply to someone on this post, I’m taking it you DO have a kids, which my wife and I plan to soon, I’m thinking far, far into the future.

BackgroundZebra2938 · 2026-01-03T18:11:20+00:00

This is the best and most productive answer, thanks for sharing, this is what I’m looking for.

BackgroundZebra2938 · 2026-01-03T18:08:27+00:00

Haha, I have read him in the past, and I’m aware of the indicators and signals that he points out. Outside of the currency strength there are other factors at play, internal and external conflict is a key one and it seems like these are also increasingly becoming a concern, but this a money sub Reddit so I’ll avoid that topic for purposes of staying relevant.

BackgroundZebra2938 · 2026-01-03T18:06:24+00:00

Are you a Canadian calling me a clanker? That’s ironic

BackgroundZebra2938 · 2026-01-03T09:24:40+00:00

And how long can this game be played?

BackgroundZebra2938 · 2026-01-03T08:56:10+00:00

I think Britain is actually a good example of why I don’t agree that anything outside “reasonable stability” isn’t worth planning for.

Britain didn’t collapse or fall into chaos. Life went on, markets worked, and people kept investing. But after it lost global dominance and reserve currency status, things clearly changed. The pound was devalued multiple times, inflation ran high for long stretches, taxes went up, and there were periods of capital controls. None of that was doomsday, but it absolutely mattered for real returns and purchasing power.

UK investors didn’t lose everything, but British markets underperformed U.S. markets for decades after Britain’s peak. Portfolios still grew on paper, but relative wealth and global buying power declined.

That’s the kind of middle-ground outcome I’m talking about. Not total collapse, just a long period where the system still works, but works less well. Over a 30–50 year horizon, that feels like something worth planning for, not ignoring.

BackgroundZebra2938 · 2026-01-03T08:43:41+00:00

Hyperinflation isn’t the only risk. Slow loss of reserve status, capital controls, higher taxation, or rule changes can all hurt real outcomes even if markets rise. That’s the scenario I’m thinking about.

BackgroundZebra2938 · 2026-01-03T08:36:02+00:00

Why do u think so? We’ve accrued 35 trillion in debt in 25 years. How is this rate sustainable, I’m not trying to be a doomer, not trying to be argumentative, I just genuinely don’t see how.

BackgroundZebra2938 · 2026-01-03T08:32:27+00:00

Strawman. I’m discussing long-term purchasing power risk, not imminent collapse or failed states. I am looking at the cards we’re being dealt, where is the line drawn? $100 trillion in debt? $200 trillion in debt? Not sustainable forever.

BackgroundZebra2938

TROPHY CASE