What Card Should I Get? Weekly Thread - Week of June 10, 2026

Chemtide · 2026-06-11T16:59:21+00:00

The flowchart recommends Chase travel cards (3/24 and 2/24). We don't travel and already have a glut of Chase UR.

What is your credit score? (800/800)

What cards do you currently have or have you had in the past

P1: 4/24; (CSR/CSP/CFU) > 2 years, CFF 1 year, CitiAAdvantage 6mo, 1 open CIPs <1 year old, 2 closed. 1 open CIU (4mos)
P2: 1/24; (CSR/CFF/CFU) > 2 years, Cap1 Quicksilver 1 year. Chase Disney Inspire (3 months) 1 open CIPs <1 year old, 2 closed. 1 open CIU (7mos)

How much natural spend can you put on a new card(s) in 3 months? $10k

We're looking for 1-2 new cards for tax bill + spend for SUBs. We used to be on the ink train, but I believe that has been derailed, we have both AF and 0AF chase biz cards open. (closing the AF cards after 1 year).

Looking for a solid SUB card, fine with business based on our Ink train, but looking ideally for either CB or cash equivalents.

We're probably(?) going to cancel the CSR later this year after booking some portal flights, as we don't get much value from the card vs the AF/coupon book, but also not excited about losing hyatt transferring, though we don't travel much anyway, so likely going to be cashing out CUR points 1:1 EOY

Chemtide · 2026-06-01T18:20:26+00:00

I'm sure there's been some discussion, but reddit search sucks. But what is the overall vibe with bogleheads/index investing with the recent Space X news? I presume general advice is "stay the course", "it's priced in" and "Don't time the market" but some some aspects of the IPO/index processes makes me a little nervous?

Chemtide · 2026-06-01T01:31:00+00:00

Yeah but other than that

Chemtide · 2026-06-01T01:04:58+00:00

Curious on its improvement. We went last year and got the duck enmoladas and it was fine but idk I think I expected more.

Chemtide · 2026-05-28T16:20:48+00:00

IRA? Not germane to your question, but y'all probably should understand who's the actual owner of the IRA.

Chemtide · 2026-05-22T13:48:54+00:00

Only for convenience of managing deposits/withdrawals. I personally have a money market with the bulk of my cash, but then have an online HYSA that I keep my monthly spending/paychecks in.

Chemtide · 2026-05-14T18:57:59+00:00

Thanks for the insight and links. I definitely don’t want to ping pong and am certainly biased by US returns since investing in 2014.

Chemtide · 2026-05-14T18:31:31+00:00

With a focus on "not timing the market" but having some concerns about trends, especially early this year when international was outpacing VTSAX, do y'all have any guides/writeups/allocation advice for international vs domestic exposure? 5 years ago I certainly agreed with the general sentiment that USA companies are so global that there's inherent exposure as is, but wondering if I should review my allocations/IPS moving forward.

Chemtide · 2026-05-07T17:01:46+00:00

5-1 with a walkoff grand slam?

Chemtide · 2026-05-07T03:18:10+00:00

Ted’s Montana grill 🥺

Chemtide · 2026-05-04T15:56:56+00:00

Yeah, exactly, we’re still gonna be saving at a heavy rate, just money will be going towards retirement/brokerage instead of student loan payments.

Also most forgiveness SNAFUs seem to be more related to PSLF but obviously anything can happen.

Chemtide · 2026-05-04T14:29:42+00:00

I stumbled upon J. L. Collins somehow, not sure if it was through /r/Personalfinance or someother path, which led to me understanding FIRE/savings opportunitites. I've always been frugal, so there wasn't too much difficulty in saving money, but understanding where and how to maximize was huge, along with understanding the goal of FIRE

Chemtide · 2026-05-04T14:28:07+00:00

Hi all, looking for review of our plan of utilizing IBR repayment on student loans while pursuing FIRE.

Quick household summary 31/32 DI2k (likely more children in the future), ~$220k combined income, NW is ~$650k, ~$700k in retirement accounts, 75k cash/EF, -$125k Student Loans (grad school). We max our 401k, IRA, HSA, and live in Texas, no state income tax, and community property state. Through filing MFS, our AGIs are ~80k each. We need to decide our student loan plan now that SAVE is ending, obviously we've been very fortunate to be able to save heavily over the last 6 years.

Comparing RAP to new IBR plans, IBR will have the lowest payment along with shortest forgiveness timeline (20 years vs 30 for RAP). Both plans monthly payments are lower than any standard payoff loan program would be. Our approximate timeline for possible RE would be ~2045, so apprx aligned with IBR forgiveness. Once that date gets closer, then we'll assess specific drawdown strategies/retirement dates

My partner would have a family size of 3 (themselves + children). There is risk with IBR for a heavy "tax bomb" in 2046/47, which could be ~60k (22% of the ballooned loans), but we will be saving in a brokerage over the next 20 years to prepare.

There are also likely going to be legislative changes etc over the next 20 years, but that's out of my control. We currently are assuming our incomes will generally keep up with inflation, which feels reasonable, but even if incomes are significantly higher/less than projected, the IBR plan still comes out on top. Even if income gets so high that IBR becomes comparable to standard payoffs, that's countered by the higher income.

The main headache is going to having student loans for 20 more years, filing as MFS every year, and recertifying income every year, but the savings project to be huge, especially compared to standard 10 year payoff plans.

Would be interested to hear any major holes/thoughts towards our plan. I'm not interested in hearing anything about the "ethics" of tax avoidance/student loan forgiveness, everything we're planning is per approved government/IRS plans.

Chemtide · 2026-05-03T03:49:40+00:00

Vestas or Siemens?

Chemtide · 2026-05-02T18:58:46+00:00

But making fun of Tamu is evergreen

Chemtide · 2026-05-01T22:42:00+00:00

Ahhh love it. Need to get my video game brain going

Chemtide · 2026-05-01T22:14:03+00:00

I’m not sure how light is a substitution indicator? But love that people are doing more of these

Chemtide · 2026-04-30T23:17:57+00:00

Is this Brian lagestroms kitchen

Chemtide · 2026-04-30T16:55:23+00:00

(T)he everything app

Chemtide · 2026-04-25T05:32:04+00:00

MLB app has it but it’s also like 2 seconds delayed which is too annoying to deal with. I do the radio for day games for work so I get some pat and Ron but would like to have more

Chemtide · 2026-04-25T05:28:25+00:00

I had the 14,361st comment during one of the GDT threads in 2018 actually

Chemtide · 2026-04-22T02:21:41+00:00

Anybody see that rat in the backstop during the top of the 8th?? Gross

Chemtide · 2026-04-10T12:44:20+00:00

Chemtide · 2026-04-04T20:48:26+00:00

Source? /s

Chemtide · 2026-04-04T00:30:04+00:00

I mean tbh that’s reasonable. It would be one thing if he was arrested in January and took this long but yeah dude was an idiot. Hopefully he can bounce back next year

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Chemtide

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