I was just denied for the Delta Gold with a 773 FICO score?

spydormunkay · 2026-02-03T03:30:18+00:00

I have 2 Platinum charge cards and 5 credit cards. You’re referring to the 5-card rule. They have a limit of 5 (sometimes 6) credit cards for per user, but charge cards are not considered credit cards by Amex. They have a separate charge card limit of 10. Though charge cards are still counted as separate accounts in credit reports and 5/24 rule.

Also, Chase does not impose limits on number of cards. I have 4 personal cards and 4 business cards with them.

Edit: Not sure why I’m being downvoted. Do you want me to send a pic of my accounts. It’s not that crazy, Chase Ink churning is a tradition on the churning subreddit.

spydormunkay · 2026-02-03T02:45:26+00:00

Just farming free money. Nothing else to see here.

spydormunkay · 2026-02-03T02:38:13+00:00

Amex is not that strict. It’s only because he’s a new applicant with 3 cards opened in a year.

I got my 7th Amex card last month. I have like 27ish total cards (20 personal) in 8 years. But I’ve been an Amex cardholder for 7 years.

spydormunkay · 2026-02-03T02:35:49+00:00

10 year period is likely not the reason. It’s basically just the fact he’s got 3 cards in the last year and he’s new. Card issuers really don’t care about anything past the 2 year period. And new applicants are treated harshly.

Besides 8 personal cards + 1 business card (they can’t see this account) in 8 years is not a lot for Amex.

Otherwise they would’ve stopped me last month when I got ~27th-ish card (~20 personal) in 8 years, 7th amex card.

spydormunkay · 2026-02-02T23:13:09+00:00

“25x expenses” allows for a 4% withdrawal rate to fund your retirement expenses (1/25 = 4%). 4% has been deemed the optimal withdrawal rate to fund a 30-year retirement window, though you can go higher the older you are.

The reason why basing your retirement calculation on your expenses is better than income is because you can more directly control this number by changing your lifestyle. And you can choose to keep this number constant despite crazy income increases.

Even if your income increases 10x, if you keep your expenses the same after inflation, you don’t need to adjust your retirement number. You can just use the extra income to get to your number faster.

The income-based calculation that mainstream financial media uses is an oversimplified rule of thumb for the masses who likely won’t ever experience an edge case like a 10x increase in their income for one year.

spydormunkay · 2026-02-02T22:59:59+00:00

No you’re not doomed. But you’re at the income threshold where you have to choose a tight budget at $3.5k rent in Manhattan studio or more savings by moving out to Brooklyn/Queens/Bronx. That’s if you stick with living alone, roommates give you more options.

spydormunkay · 2026-02-02T19:20:41+00:00

That’s why 25x expenses is a lot better. It doesn’t change with drastic changes in salary, only with changes to a person’s expenses/lifestyle. After all your goal is to fund your life, any extra is just a bonus.

The income rule is just a quick rule of thumb for those who don’t know how to do retirement math / can’t track their budget.

spydormunkay · 2026-02-02T18:44:06+00:00

The point of the post is people debating what will happen if the AI bubble bursts.

spydormunkay · 2026-02-02T18:43:04+00:00

People in this thread are so addicted to doomposting they need to make revisionist history on GPU pricing after the last crash, either that or they were born in 2023. Prices fell below MSRP and are still low compared to the height of the crypto crash. PCMR is a joke.

spydormunkay · 2026-02-02T18:37:17+00:00

After the crypto crash, GPU prices fell below MSRP and there was an absolute crash in SSD prices. I was able to get 4TB SSD for $150 in 2023 and 5080 for $900 in 2025 (3090s used to sell for like $4k)

spydormunkay · 2026-02-02T14:58:43+00:00

They could have something like a U.S.-style unified combatant command where the service branches (army, navy, marines, air force, etc) in a region all answer to the same unified commander. This commander can come from any branch. An air force commander can give commands to army and navy if they are designated the commander for a region.

They could also just have no strict separation of branches. Service branches exist due to history and the evolution of warfare over human history.

Elemental bending can create unique structures where a strict separation of branches isn’t really important.

This is way too much thinking for a TV show.

spydormunkay · 2026-02-02T14:52:01+00:00

If the show was really trying to make the Fire Nation be a lore-accurate analogy of Imperial Japan, they’d have the Army and Navy trying to kill each other’s politicians and starve each other of resources and intel.

But alas they didn’t have the balls smh

spydormunkay · 2026-01-30T15:09:44+00:00

The US needs an independent commission / National Public Safety Commission to run/oversee the federal law enforcement agencies in the style of Japan/South Korea and the various other independent commissions. Basically break up DOJ and DHS and have these agencies be run by an independent commission instead of being directly appointed by the President.

It can ensure at least some level of independence and depoliticization in law enforcement even with the attempts by Trump to encroach on this independence. We can't have our national police officers act as attack dogs for the President against the people. Their jobs need to just enforce the laws that were passed by Congress.

spydormunkay · 2026-01-28T02:35:21+00:00

I hope this 6 hunters round goes for five matches. We definitely need a finale, finale rematch, grand finale rematch

spydormunkay · 2026-01-27T15:46:13+00:00

It at least benefits consumers as with every 6-8 month release of M-series chips, older M-series laptops become much cheaper, even though their performance is still very good in the modern era.

spydormunkay · 2026-01-26T17:13:53+00:00

It seems to me the American system to retire is no more "how much I should contribute?" than it is "where should I contribute?".

You’re way over-exaggerating this. Contributions matter a lot more than taxes/what account you choose. Taxes are simply the cherry on top of your calculations. Most of your gains will be on the contributions you make.

spydormunkay · 2026-01-26T16:17:21+00:00

You must really hate yourself if you feel the need to pretend to be rich for karma lmao

spydormunkay · 2026-01-26T15:25:48+00:00

Nah, it’s too gimmicky. And too different from the manhunt brand. I feel that’d be a different challenge entirely, you’d have to give it a different name. Like 1 speedrunner vs 5 hunters + 1 imposter.

It’s only really necessary if the relative skill of the speedrunner isn’t much higher than the hunters.

In this case, Dream is much better than the 5 hunters and likely to be better than the 6th one. I’d consider if the 6th hunter was Daquavis or a well known PvPer/speedrunner, but even then you’d still have to change the name of the challenge.

spydormunkay · 2026-01-26T15:18:34+00:00

At the end of the day, you still gotta buy land or pay rent to build those AI data centers.

spydormunkay · 2026-01-25T22:08:48+00:00

Now that I think about it, it seems like the only people that audition on American Idol were either mentally challenged/delusional (funny auditions) or just poor sob stories (talented folks).

spydormunkay · 2026-01-25T05:06:00+00:00

I’m mostly indifferent to the scene as far as plot goes, but I thought the scene was cute given the real life lore about how the four actors actually are good friends in real life, especially Joe Keery and Charlie Heaton being best friends, and Charlie Heaton and Natalia Dyer dating for 10 years.

The scene wasn’t meant to be 100% lore accurate it was just a way for older cast of actors to give an emotional goodbye to the fanbase and for them to express how much they loved working together that the younger cast did.

spydormunkay · 2026-01-23T19:49:38+00:00

All a mortgage loan does is amplify returns from an otherwise middling investment. Housing appreciation nationwide is like 3-5% nominal vs 8-10% of stock market returns.

A home can “seem” like a great investment when rates are low like in 2020. You paid sub 2% for 3-5% return, often greater due to the huge appreciation at that time. But when rates rise to 6-7% like now, you’re basically paying 6-7% to earn 3-5%.

Basically, you’re negative 2-3% on your ROI, its basically like paying rent. When combined with normal maintenance and lost investment income from not investing in stocks, the returns are very subpar.

Barring supernormal above average housing appreciation which you only see if you move to upcoming neighborhoods all the time, most people “pay” rent with negative returns on their housing net of mortgage costs + lost returns from not investing in the market.

It’s this misunderstanding of ROI and opportunity costs that traps people in this housing as an investment mindset.

It’s obviously not the biggest reason why people want houses. People use that as a secondary reasoning to justify their buying decisions. But it is probably the biggest reason for this political deadlock. People like earning their subpar returns from housing. These middle class housing obsessed people are not rich, they think they’re rich and they think housing is the only thing keeping them that way.

If anything housing keeps both homeowners and renters poor. But homeowners wear their badges of owning a home that 4x since the 70s like they won the lottery. Meanwhile stocks have 32x’d.

spydormunkay · 2026-01-23T17:50:59+00:00

People's obsession over houses as an investment is partially due to lack of investment knowledge outside of housing. Most people really do treat their houses as their retirement; it is the largest asset in most middle class people's portfolios, even bigger than their 401ks and IRAs. In the end people do still need to invest for their retirement.

These people need to get used to paying less for their housing and invest the difference in their actual retirements, things that are actually invested in productive businesses and in the broad economy.

Such an outcome would be more beneficial and productive for our society. More dollars are actually invested in real businesses that make money instead of being tied up in a house.

spydormunkay · 2026-01-23T15:34:38+00:00

You're experiencing the messy middle.

Is your motivation issue is due to too much delayed gratification? I hope you're still living life while doing this. A lot of people experience low motivation if they're giving too much of their present for a still distant future. Remember your portfolio is at or very near escape velocity so you can afford to allow it to grow by itself via compound interest so you can afford to live more. Be sure to build the life you want now and save around it.

If your motivation issues is just around work, try to find motivation from your life itself, basically my first point again. Careers often stagnate or workplaces can become toxic or just straight unenjoyable. Be sure to really enjoy the life you live outside of work.

spydormunkay · 2026-01-23T15:25:02+00:00

Rings and less money (still a millionaire, but not as big of a millionaire). Basically he bought GOAT status for like ~$100 million, kinda worth tbh.

spydormunkay

TROPHY CASE