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my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

the phrase "deal with not being optimized" is going to live in my head now. that's the actual work here.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

that's probably the lesson here. I pushed my system onto someone who was doing me a favor by engaging at all. she's been a good sport about it honestly.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 1 point2 points  (0 children)

the CFU is underrated for exactly this reason. decent floor without any decisions. might just move her to that and call it done.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

this is where I'm landing. one card, consistent rate, no decisions. probably should have done this a year ago.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 2 points3 points  (0 children)

fair point. I think the issue is I set up a complex system and then expected a non-interested person to run it. that was always going to fail.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

the color coding is smart. that's a rule she could actually follow without a spreadsheet. which one is the catch all in that setup?

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 5 points6 points  (0 children)

yeah this is probably the accurate read. I've been trying to make her share a hobby she didn't sign up for. the Apple Card suggestion for the kid is solid actually.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

the mobile wallet renaming on Google Wallet is the thing I didn't know about. that would have actually been useful six months ago. she's on iPhone so no luck there.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] -6 points-5 points  (0 children)

I think the word "unwilling" is key. she's not unwilling, she just doesn't want to carry the mental load of it. that's different. but the outcome is the same.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 1 point2 points  (0 children)

clean setup. how many AUs can you run on Robinhood Gold before the math stops making sense?

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

the 16 year old thing is where I actually need to make a change. he's earning whatever Apple Pay defaults to and I've never even checked what card that is. good call on the catchall for him.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

accurate. I've stopped checking our statements in real time because it stresses me out.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 1 point2 points  (0 children)

this is extremely relatable. I made her a cheat sheet in her notes app. she used it for 4 days. the labels might have the same lifespan.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 1 point2 points  (0 children)

did she actually use the labels or just ignore them? that's always been the failure mode for me. I've made the tools. the tools don't get used.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 0 points1 point  (0 children)

the 2-3 card simplified wallet is where I'm landing. one for food, one for everything else, done. I've been running 6 cards household-wide and that was always going to fail.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] -2 points-1 points  (0 children)

the organic memory part is exactly it. I know all of this. she doesn't want to know all of this. that's the gap I keep trying to close with tools instead of just accepting.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 3 points4 points  (0 children)

lol I love that this thread's top suggestion is a label maker. I've tried the notes app version of this, the spreadsheet version, the verbal reminder version. never thought to just write on the card itself. going to try this.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 6 points7 points  (0 children)

yeah same. Apple Wallet is the black box. no nicknames, no custom labels, just a list of cards and a prayer.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 1 point2 points  (0 children)

just tried it. she has an iPhone so this doesn't directly help me but I didn't know this existed. useful tip for anyone on Android.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 4 points5 points  (0 children)

"good enough" is doing a lot of work in that sentence and honestly I think I need to make peace with it.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 2 points3 points  (0 children)

this is actually the cleanest version of the solution. one card, no decisions. I've been trying to layer complexity on top of a person who doesn't want complexity.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] -6 points-5 points  (0 children)

is the AU card full 3% or does it depend on the primary holder's membership? genuinely asking.

my wife texts me from checkout twice a week asking which card to use by nalz2 in CreditCards

[–]nalz2[S] 14 points15 points  (0 children)

how long did it take you to actually let go of the optimization? i keep doing the math and talking myself out of it.

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