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Speaker 1: Welcome to Had of Money. I'm Joel, and I am that,

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Speaker 1: and today we're discussing unique and delightful credit card benefits.

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Speaker 2: Delightful credit card benefits, indeed, you know, I feel that,

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Speaker 2: I feel like delight like. That's a word that you

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Speaker 2: use to describe people that's Oh, he's got a delightful personality.

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Speaker 2: It's not often that we use that term to describe

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Speaker 2: different financial products that are out there, but we truly

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Speaker 2: do think that there are some of these different benefits

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Speaker 2: that are that are going to surprise you and they

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Speaker 2: might even delight you. That is what we're going to

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Speaker 2: be talking about today. It's almost like a laundry list

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Speaker 2: that we've got to cover. He's true, I probably haven't

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Speaker 2: heard about this, this, this, this, this and this, and

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Speaker 2: even if like two or three apply to you, and

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Speaker 2: you say, wait a second, I didn't know that existed,

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Speaker 2: not know that was bringing into your life, it could

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Speaker 2: be shocking but also rewarding. You want to maximize the

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Speaker 2: benefit you're receiving from those cards. So somewhat related, I

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Speaker 2: guess speaking of getting a deal, specifically getting a deal

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Speaker 2: when it comes to summer camps. So Joel, our oldest

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Speaker 2: girls our oldest daughters, Selma for you, Heavy for me.

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Speaker 2: They are both currently away at their first overnight sleep

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Speaker 2: away camp. Yeah, based on the pictures, seems like they're

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Speaker 2: having a stinking blast. So in the midst of them

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Speaker 2: having a ton of fun, they're at camp. Did you

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Speaker 2: notice did you get an email from the camp talking

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Speaker 2: about early registration? Because that showed up in my inbox,

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Speaker 2: this warning. I was just like, oh, snap, they want

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Speaker 2: to ride that momentum into the next year, exactly right.

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Speaker 2: And but the thing is, that's what happens.

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Speaker 1: By the way, every time we go to FINCN the

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Speaker 1: Money media conference, they send an email out the very

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Speaker 1: next day and they're saying, do you have a good time?

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Speaker 2: Didn't you have a blast?

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Speaker 1: Sign up now? And by the way, this offer only

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Speaker 1: lasts for three days, but you get the best rate

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Speaker 1: of people are.

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Speaker 2: So, speaking of getting a deal, what are your thoughts

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Speaker 2: on that when you commit to going to a camp

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Speaker 2: or a conference like this a year out, a year

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Speaker 2: in advance, if that means that you get the best rate,

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Speaker 2: if you're able to snag that deal, all right, I

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Speaker 2: think a couple of things. How would you approach it?

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Speaker 1: I think one, I like a good deal, So I

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Speaker 1: am prone to sign up, and maybe that's why they're

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Speaker 1: sending it because they know that.

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Speaker 2: But two, you have to.

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Speaker 1: Like look at your schedule and look at what's the

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Speaker 1: likelihood that you're actually going to follow through, that you're

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Speaker 1: actually going to go on that trip, that you're actually

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Speaker 1: going to go to camp, that you actually want to

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Speaker 1: go back to that conference. And then three how bigs

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Speaker 1: a discount? Is it thirty bucks off or is it

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Speaker 1: three hundred dollars off? Like is it is it ten

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Speaker 1: percent off? Or is it or forty percent off? I mean,

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Speaker 1: those kinds of questions I think would help me.

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Speaker 2: Numbers matter realize.

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Speaker 1: Okay, well, and then would you be okay if you

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Speaker 1: ended up not going? Is there any sort of refund

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Speaker 1: or would or would you think that would you be

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Speaker 1: devastated by how much money on? I think that's the

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Speaker 1: biggest thing. So as far as looking ahead, well with

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Speaker 1: you know, with fin Con, we were thinking, okay, are

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Speaker 1: we going to have a podcast next year?

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Speaker 2: Uh? All signs points to yes, I hope. So I

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Speaker 2: think so I shook the magic eight ball or not

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Speaker 2: funny to stop this anytime soon. But I think digging

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Speaker 2: into the fine print is what's really important, because I

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Speaker 2: woult to have a contingency, like the ability to back

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Speaker 2: out for me at least, I think that needs to

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Speaker 2: be available and well, specifically with camp, I would be

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Speaker 2: willing to sign up for a discount if I knew

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Speaker 2: that either I could get all my money back that's great,

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Speaker 2: or even at least being able to transfer like a

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Speaker 2: deposit to a different week or something like that. And

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Speaker 2: so yeah, you know, I think the moral of the

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Speaker 2: story is definitely consider some of these different discounts and

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Speaker 2: offerings that are provided by conferences or camps. Yeah, dig

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Speaker 2: into the fine print, figure out what recourse you might

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Speaker 2: have if you were to pull the plug.

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Speaker 1: Okay, that makes me think of one more thing. If

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Speaker 1: you're looking for for like summer travel and you're trying

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Speaker 1: to get a beach house or something like that, the

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Speaker 1: further ahead you look, the more availability there's going to be,

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Speaker 1: the better chance you're going to find a cooler spot

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Speaker 1: at a better price. So just put that on people's radar. Two,

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Speaker 1: start looking in August or September for junior July the

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Speaker 1: next year. That I think that's gonna potentially save you

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Speaker 1: money and gets you better accommodations. I know, sometimes I've

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Speaker 1: waited too long. The oh yeah, pickens get slim Yep,

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Speaker 1: it stinks.

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Speaker 2: It stinks. It stinks knowing that, oh man, we could

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Speaker 2: have such a better place for the same amount of money.

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Speaker 1: Or which we did this year, Like we go on

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Speaker 1: our annual all Guard family vacation and we got the

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Speaker 1: dopest beach house we've ever rented for not much more

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Speaker 1: money than we typically spend.

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Speaker 2: Yeah, and I'm sure we'll talk more about this once

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Speaker 2: we actually experienced the house, but it was because it

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Speaker 2: was a new listing and we were willing. This is

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Speaker 2: another kind of weighing the you know, the pros and

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Speaker 2: the cons, weighing the odds. There's three reviews, do you

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Speaker 2: trust them or not exactly? But in this case, it

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Speaker 2: seemed like we did a little more digging and we're

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Speaker 2: able to find that house elsewhere. But we'll report back

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Speaker 2: as to whether or not that house was worth it

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Speaker 2: for sure.

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Speaker 1: But for now, Matt, let's mention the beer we're having

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Speaker 1: this one is called Jammiest Bits of Jam by Sour Sellers. It's,

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Speaker 1: of course a sour fruited beer. We'll give our thoughts

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Speaker 1: on this one later on in the episode. But let's

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Speaker 1: get onto the subject a hand. Let's talk about unique

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Speaker 1: and delightful credit card benefits that we think that had

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Speaker 1: a money community needs to know about. And Matt, this

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Speaker 1: made me think, I've mentioned that a tree fell through

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Speaker 1: our house, right and how painful it's been.

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Speaker 2: How about an update folks want to know.

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Speaker 1: Yeah, so basically, the construction has started, or the reconstruction

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Speaker 1: has started, which is great, but it's going to take

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Speaker 1: a couple of months. We're out of the house and

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Speaker 1: we're actually spending like half the summer in the Atlanta

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Speaker 1: area half the summer down in Florida. So get an

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Speaker 1: extra extra vacation.

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Speaker 2: Out of it.

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Speaker 1: That's like partially paid by paid for by insurance, which

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Speaker 1: is But this episode kind of made me think about

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Speaker 1: something in this process where a company went above and

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Speaker 1: beyond to delight me, and it was the company that

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Speaker 1: removed the tree from our house. Like the first step,

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Speaker 1: which is to remove the tree, it felt like construction

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Speaker 1: was going to start soon thereafter, but no, it's been

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Speaker 1: weeks and at least a month.

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Speaker 2: But did they remove the tree and then leave mints

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Speaker 2: on your pillow?

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Speaker 1: Not quite that great? Not fight that great, but they

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Speaker 1: actually had They tarped the roof after they were done

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Speaker 1: removing the tree, and the tarp job left something to

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Speaker 1: be desired. They charged me like five hundred plus dollars

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Speaker 1: for the tarping part, and it literally was like they

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Speaker 1: stapled one blue tarp like I could have done. It

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Speaker 1: should have been like twenty dollars, right, And so there

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Speaker 1: was still a lot of water coming in. And the

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Speaker 1: guy who runs the company, he actually called me and

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Speaker 1: he said, hey, how is the experience. We pride ourselves

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Speaker 1: in delivering five star service? And I was like, man,

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Speaker 1: I will say, actually, there's a lot of water coming in.

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Speaker 1: And that was the one thing. You guys were fast,

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Speaker 1: you were on it. The job was done well except

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Speaker 1: for this one part of it. And so he sent

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Speaker 1: his crew out immediately. They tarped like a mofo, and

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Speaker 1: he refunded every single dollar that they build me for

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Speaker 1: tarping and more and so like, would it have been

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Speaker 1: better if the job was done right?

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Speaker 2: Initially?

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Speaker 1: Yeah, probably, But I'm honestly actually more loyal to this

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Speaker 1: company now considering he called me directly, he asked me about,

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Speaker 1: you know, how the service went, and then he made

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Speaker 1: it right and went above and beyond and making it right.

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Speaker 1: So I just think that sort of response is rare.

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Speaker 1: It put a smile on my face. And yeah, today

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Speaker 1: I think maybe some of these these credit card parks

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Speaker 1: were going to talk about you might not know about it.

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Speaker 1: They might put a smile on your face because it

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Speaker 1: might be something where you're like, you found money in

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Speaker 1: a place you didn't know it was hiding.

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Speaker 2: That's kind of how it feels. It's like that hidden

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Speaker 2: twenty in the pocket from winter. You're like, I wasn't

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Speaker 2: even expecting this. Well when I said mint on your pillow,

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Speaker 2: that actually made me think about like, if you go

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Speaker 2: to a nice reste, I'm not gone into my bedroom,

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Speaker 2: all right, Yeah, that's just creepy. So like fancy restaurants,

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Speaker 2: like they'll bring out I think they're called it like

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Speaker 2: a mouse de bouche, a mooz boosh, a mooz booch,

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Speaker 2: something like that. Clearly we're very cultured. Yeah, I don't

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Speaker 2: even know how to say it right, but I love

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Speaker 2: it when they bring out these little things that you

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Speaker 2: didn't even order. But it's something that the chef prepared specifically.

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Speaker 2: Between these two courses, I've only ever experienced that like

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Speaker 2: twice in my entire life, but every time it happened,

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Speaker 2: it was the coolest thing ever. It was a delight.

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Speaker 2: And I'm not necessarily going to equate the two, but

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Speaker 2: it is similar when it comes to credit cards, right,

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Speaker 2: Like everyone out there knows of the standard benefits that

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Speaker 2: you get with credit cards, like cash back, Yeah, heard

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Speaker 2: about it. I know about that. But when you're able

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Speaker 2: to score a reward or a benefit that you were

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Speaker 2: not expecting at all, like that is when the delight

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Speaker 2: kicks in. So sort of like you were saying about

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Speaker 2: the tree company, like everybody pretty much expects the company

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Speaker 2: to show up on time, right, to do a good

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Speaker 2: job when it comes to clearing the tree out of

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Speaker 2: there your yard. I went back there later that day.

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Speaker 2: It was spotless. I was like, man, did the yard

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Speaker 2: guy also come and cut the grass? Because it looked

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Speaker 2: great except for the whole. But I guess a lot

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Speaker 2: of times you expect them to do the things that

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Speaker 2: you are paying them for, but it's that unexpected action

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Speaker 2: that they took to satisfy you as the customer, Like

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Speaker 2: that is what took them to the above and beyond status.

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Speaker 2: And you know that piece of plastic in your wallet.

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Speaker 2: It has similar abilities to delight you, but you got

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Speaker 2: to know what they are in order to benefit.

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Speaker 1: Yes, of course, we always, always, always have to discuss

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Speaker 1: proper use of credit cards, Matt. Every time we talk

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Speaker 1: about this is the disclaimer. The disclaimer, Yes, it always

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Speaker 1: has to exist in any sort of time we're talking

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Speaker 1: about paying with plastic because we need to make sure

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Speaker 1: that you know where we stand with credit cards and

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Speaker 1: how to use them. They are not for everyone. And

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Speaker 1: so if you've had an issue us in the past

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Speaker 1: with overspending and not paying your statement off on time

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Speaker 1: and in full, then seriously, you might want to just

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Speaker 1: like not listen to the rest of this episode because

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Speaker 1: I'm flying with that. That curiosity even might might not

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Speaker 1: play out well. Right, you might start like, oh, look

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Speaker 1: at all these amazing little things that they're dangling in

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Speaker 1: front of me. But if you can't use the credit

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Speaker 1: card in the most basic discipline way that we talk about, well,

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Speaker 1: the rewards you get are not in any way going

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Speaker 1: to make up for the interest that you pay, and

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Speaker 1: you'll still come out a loser in the end, So

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Speaker 1: there's no benefit is worth slipping back into unhealthy financial

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Speaker 1: habits because if you're not taking the most basic measures

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Speaker 1: of paying off that balance every single month, you are

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Speaker 1: going to outspend the rewards that you're earning by a

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Speaker 1: wide margin, and might an even wider margin now, Matt,

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Speaker 1: because interest rates have gone up. So I think the

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Speaker 1: average credit card interest rate is something like twenty four

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Speaker 1: percent now, it ten years.

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Speaker 2: Ago well over twenty percent.

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Speaker 1: Years ago is like twelve percent, and so that's a

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Speaker 1: massive difference. And yeah, two percent cash back going to

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Speaker 1: come anywhere close, right, even with these other perks, is

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Speaker 1: not going to come anywhere close to making credit cards

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Speaker 1: a smart purchasing method for you.

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Speaker 2: If you retain a balance, that's right. And by the way,

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Speaker 2: the pressure washer that was just outside our window to

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Speaker 2: actually just ran out of gas. So it's nice not

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Speaker 2: to have that. If you were wondering, what is that

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Speaker 2: annoying sound in the background, You know what, We live

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Speaker 2: in the real world here, and sometimes the house next

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Speaker 2: door is getting pressure washed. But we're not denying the

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Speaker 2: fact that, like, not everyone who uses credit cards are

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Speaker 2: going to come out ahead. And a recent study actually

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Speaker 2: found that.

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Speaker 1: Rich bar the way, can I just say that makes sense?

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Speaker 1: Because the banks aren't going to lose money. They're not

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Speaker 1: going to offer you reward exactly and then not find

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Speaker 1: any way to pay for them.

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Speaker 2: Yeah. But so the reason study I was gonna mention

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Speaker 2: a quote from that is that reward cards tend to

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Speaker 2: induce more spending, leaving naive customers with higher unpaid balances.

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Speaker 2: The study estimated that an aggregate annual redistribution of fifteen

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Speaker 2: billion dollars from less to more educated, from poor to

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Speaker 2: richer folks. That is a lot of money that is

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Speaker 2: changing hands, fifteen billion dollars. Then something close to fifty

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Speaker 2: percent of credit card users carry a balance, and that

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Speaker 2: is how that money is changing hands. So some folks

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Speaker 2: out there are they're deluded into believing that this actually

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Speaker 2: helps their credit by carrying a balance. This is not

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Speaker 2: the case. It only hurts your bottom line because you're

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Speaker 2: paying money. Yeah, I forget the exact number, but there's

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Speaker 2: a a not an infantetially small number of people who

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Speaker 2: think having that balance actually boost their credit score when

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Speaker 2: the opposite is true. Absolutely. Yeah, but if you are

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Speaker 2: in that naive camp, you would be far better off

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Speaker 2: using cash or even just using your debit card instead

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Speaker 2: of continuing to use credit cards. For the bulk of

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Speaker 2: your spending.

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Speaker 1: Yeah, and it pains us to say that because there

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Speaker 1: are so many benefits in so many perks, not just

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Speaker 1: the perks we're gonna mention, but even other things that

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Speaker 1: we talk about, just protections that you have, federal legislation

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Speaker 1: that protects your money. More that we talked about I

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Speaker 1: think some in episode six twenty nine about how using

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Speaker 1: a credit card when you spend is going to offer

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Speaker 1: you superior consumer protections. But still it's worth foregoing those

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Speaker 1: if it's going to ruin your finances, right, And I

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Speaker 1: guess that brings up the question, Matt, does this make

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Speaker 1: credit cards predatory?

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Speaker 2: We don't think so.

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Speaker 1: But Aaron Lowry, the broke millennial who I like her,

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Speaker 1: I like what she does. She made this allegation actually

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Speaker 1: in a recent Bloomberg article. But the thing is, no

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Speaker 1: one is forcing us to use credit cards. It's a

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Speaker 1: personal choice, right, And so Yeah, Granted, we'd love to

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Speaker 1: see more personal finance education on everything ranging from credit

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Speaker 1: cards to every kind of debt for high schoolers so

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Speaker 1: that they don't end up learning the hard way. But

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Speaker 1: I think a similar argument can be made that the

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Speaker 1: only reason savers are earning something like five percent on

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Speaker 1: the cash or stocking away now is because other people

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Speaker 1: are taking out car loans at ten to fifteen percent

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Speaker 1: interest rates. And so I just think that the credit

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Speaker 1: card itself shouldn't be the scapegoat. And some people want

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Speaker 1: it to be the scapegoat and want to make it

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Speaker 1: sound like credit cards are the devil, like Bobby Bouchet's

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Speaker 1: mom and the water Boy or something like that, right,

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Speaker 1: But I just don't think that's true. And yes, some

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Speaker 1: people end up losing in the proposition. That's why we

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Speaker 1: need more personal finance education. That's yes, the answer isn't

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Speaker 1: necessarily to wipe credit cards from the face.

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Speaker 2: It's not to ban them, but to get more folks

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Speaker 2: participating and using them the right way. And if that

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Speaker 2: and if that means that over time the rewards like

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Speaker 2: that the proposition changes, then so be it exactly. But

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Speaker 2: the fact is, like, these are the rules of the game,

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Speaker 2: and we're going to play by the rules that exist

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Speaker 2: because that, yeah, that is our goal with the podcast

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Speaker 2: is to spread the knowledge so that everyone knows how

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Speaker 2: to properly use a credit cards.

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Speaker 1: Let's be honest, if if eighty five to ninety percent

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Speaker 1: of people stop carrying a balance. Overnight, things would change,

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Speaker 1: Rewards would dramatically decrease, and a lot of the things

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Speaker 1: we're going to talk about would become vaporware almost overnight. Yeah,

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Speaker 1: I totally agree to say that, like, oh, credit cards

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Speaker 1: are all the problem. Well, it's almost like saying that

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Speaker 1: like paying interest or like compounding interest, that that is

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Speaker 1: something that shouldn't exist, and it's like, well, no, it

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Speaker 1: it's just a fact, Like it's just a rule, and

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Speaker 1: you just want to make sure that you are on

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Speaker 1: the receiving end of compound interest, not on the paying end.

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Speaker 1: And so until the banks change some of those rules

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Speaker 1: and what it is that they're offering, we're gonna do

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Speaker 1: all we can to take advantage of it and make

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Speaker 1: sure that everybody out there knows that they can take advantage.

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Speaker 2: Of it as well.

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Speaker 1: One minor thing I'll mention here, there's legislation being introduced

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Speaker 1: right now and to rein in some of the fees,

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Speaker 1: the visa MasterCard charge, which I'm not gonna lie, that

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Speaker 1: is kind of a problem and they probably should be

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Speaker 1: rained in, and that in and of itself would probably

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Speaker 1: impact the credit card rewards that we all receive. We'll

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Speaker 1: see what happens there, and I'm sure we'll end up

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Speaker 1: talking about it on a Friday flight if it comes

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Speaker 1: to fruition. But you know our stance now, Using credit

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Speaker 1: cards in an educated and disciplined way can get you

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Speaker 1: significant rewards and a slew of really cool benefits that

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Speaker 1: you might not be aware of. And so we're gonna

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Speaker 1: discuss a bunch of those. We're gonna get to that

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Speaker 1: laundry list of killer rewards you need to know about

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Speaker 1: right after this.

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Speaker 2: Right we are back, and we are talking about these

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Speaker 2: delightful credit card benefits that we don't think that you

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Speaker 2: know about. And we kind of mentioned this early on,

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Speaker 2: but you know, everybody knows about the big things out there,

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Speaker 2: the sign up bonuses. They can be honestly rich, as

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Speaker 2: I'll get out equally like eight hundred bucks, even one

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Speaker 2: thousand dollars when you get approved and meet a spending threshold,

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Speaker 2: when you're able to kind of translate that into travel rewards.

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Speaker 2: But just the straight up cash back on every single

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Speaker 2: purchase that is also fantastic. But this is also the

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Speaker 2: obvious stuff, and we're not gonna talk much about that.

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Speaker 2: We want to focus on the lesser known glories that

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Speaker 2: your credit card has to offer. And so we'll start

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Speaker 2: with a few of the lesser known travel benefits before

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Speaker 2: we get into even more obscure territory. But you can

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Speaker 2: rack up rewards with airlines and hotel specific cards, or

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Speaker 2: you can opt for other cards that allow for even

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Speaker 2: greater flexibility. But some of the travel perks that you

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Speaker 2: might not be familiar with are things like rental car insurance.

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Speaker 2: If you rent cars enough, the primary coverage that you

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Speaker 2: can get from a card like the Chase Sapphire Preferred

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Speaker 2: is pretty sweet. So what that means is that if

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Speaker 2: you are or in an accident in that car, well, Chase,

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Speaker 2: they're going to act as your primary car insurance company

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Speaker 2: before your normal insurance that you have on your private vehicle.

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Speaker 1: And it just means every time when you're asked for

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Speaker 1: that insurance and you're like sweating and sweating bullets and

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Speaker 1: you're like, what if I.

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Speaker 2: Get an accident, well, you gotta wry about it. You

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Speaker 2: can turn it down with these you've used the right

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Speaker 2: card and unfortunately we didn't have this card, Joel. This

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Speaker 2: this sort of come in handy when we were in Scotland.

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Speaker 2: We haven't talked about this on the show, neither you

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Speaker 2: or I had the Chase Sapphire Preferred or any car

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Speaker 2: that had the primary insurance carver.

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Speaker 1: One of my cards used to have it, and they

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Speaker 1: stopped carrying it as a perks, and.

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Speaker 2: I like to the way I take advantage of the

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Speaker 2: different benefits with credit cards. Meant that I actually couldn't

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Speaker 2: apply for another Chase card, and so what that meant

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Speaker 2: was that we actually opted for the coverage. And specifically,

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Speaker 2: the lady was like, well, you know, there's a lot

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Speaker 2: of potholes on the roads around here, and specifically we

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Speaker 2: were going to the Isle of Sky in Scotland and

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Speaker 2: the roads are terrible there and the rental cars don't

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Speaker 2: have any spare tires in there, and so she said

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Speaker 2: that if you get a flat tire a blowout, you're

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Speaker 2: on your own. And I thought that sounds terrible, and

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Speaker 2: so we opted for the insurance, which also included a

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Speaker 2: little collision that took place.

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Speaker 1: Because it was good because you beat that thing up.

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Speaker 2: So we had pulled over on the side of the road.

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Speaker 2: We were looking at a lock.

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Speaker 1: I've never seen anyone go in reverse faster than you did.

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Speaker 1: I think went into reverse and I couldn't see scale

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Speaker 1: or hard junior side.

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Speaker 2: There's like this concrete metal rigging lobby intelligence on the

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Speaker 2: ground that I couldn't see in the rear view, and

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Speaker 2: I kind of crunched into that thing.

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Speaker 1: So the insurance was helpful, but if we didn't.

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Speaker 2: Ended up being totally fine. But the reason we had

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Speaker 2: to get that, we felt the need to go ahead

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Speaker 2: and get that was because we didn't have the sweet

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Speaker 2: perks that came with a card like the Chase Safire,

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Speaker 2: but we were short of that in mine because when

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Speaker 2: we were booking the car, we were like, we just

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Speaker 2: don't have enough time to get the credit card before

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Speaker 2: we had to book the Going back to booking the

411
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Speaker 2: booking vacation rentals, give yourself more time, because if we

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Speaker 2: had more time, I think we could have maybe found

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Speaker 2: another car that offered that that benefit. So this is

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Speaker 2: a good into stuff. Do as we say, not as

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Speaker 2: we do, and in the future sometimes we mess up,

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00:18:03,320 --> 00:18:06,359
Speaker 2: we will do we human according to this advice. But

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Speaker 2: there are other great travel perks too, right besides something

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Speaker 2: like primary rental car insurance are the and and by

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Speaker 2: the way, there's a different Some credit cards offer secondary

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Speaker 2: car insurance and others offer primary Yeah, and the primary

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00:18:17,320 --> 00:18:19,119
Speaker 2: is far superior. That's what you want. Yeah, that's what

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Speaker 2: you want. That's the ideal, that's the good stuff exactly.

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Speaker 1: That means you don't have to sweat it at all

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Speaker 1: and that you don't have to really involve your insurance company.

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Speaker 1: The credit card is the stand in well. Lounge access

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Speaker 1: is another perk that some of our favorite travel credit

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Speaker 1: cards offer.

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Speaker 2: I don't really care about that personally. Well, because your sister,

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Speaker 2: so she's got the last Yeah, and she pays you know,

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Speaker 2: we'll get to fees later on this episode, but that's

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Speaker 2: it comes with a hefty fee. But they travel a ton,

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Speaker 2: her and her husband, and they guessing that's something that

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Speaker 2: she takes oh massive advantage of.

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Speaker 1: Yes, that is one of those things where if you

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Speaker 1: like to be fancy and you like to travel fancy,

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Speaker 1: this is one of the cheapest ways to travel fancier.

437
00:18:56,080 --> 00:18:58,320
Speaker 1: So usually you have to have one of the credit

438
00:18:58,400 --> 00:19:00,480
Speaker 1: cards with the more expensive annual fees in the four

439
00:19:00,520 --> 00:19:02,959
Speaker 1: to seven hundred dollars range. But if you're let's say,

440
00:19:03,000 --> 00:19:05,280
Speaker 1: in the airport twenty five thirty five days a year,

441
00:19:05,600 --> 00:19:07,919
Speaker 1: and you're taking advantage of that lounge accell or it

442
00:19:07,920 --> 00:19:08,720
Speaker 1: could be well worth it.

443
00:19:08,880 --> 00:19:10,280
Speaker 2: It makes me think, okay, again, going back to our

444
00:19:10,280 --> 00:19:13,239
Speaker 2: Scotland last Scotland reference to this episode, you don't want

445
00:19:13,240 --> 00:19:15,240
Speaker 2: to have too many of them, you know. In one episode.

446
00:19:15,440 --> 00:19:17,280
Speaker 2: But when we're flying out of Atlanta, we were in

447
00:19:17,320 --> 00:19:21,040
Speaker 2: the International terminal, which it's not great. I'll just or

448
00:19:21,080 --> 00:19:22,960
Speaker 2: I'm sorry. The food offerings aren't. Oh yeah, the food

449
00:19:23,000 --> 00:19:25,399
Speaker 2: was bad. I was like, the terminal was fine, but

450
00:19:25,920 --> 00:19:28,040
Speaker 2: some of the like the other concourses or whatever, I

451
00:19:28,040 --> 00:19:31,840
Speaker 2: think it was concourse, fuh is the International some of

452
00:19:31,880 --> 00:19:34,520
Speaker 2: the other ones have amazing restaurants. There's actually some really

453
00:19:34,520 --> 00:19:37,040
Speaker 2: well known restaurants in there in f Like literally, we're

454
00:19:37,080 --> 00:19:39,399
Speaker 2: at some crappy taco place right and they had a

455
00:19:39,480 --> 00:19:43,720
Speaker 2: terrible marguerite that was bad. And I was looking across

456
00:19:43,760 --> 00:19:45,479
Speaker 2: the way and like the seating, We're just sitting at

457
00:19:45,480 --> 00:19:47,800
Speaker 2: this tiny little table. And then you looked across the

458
00:19:47,800 --> 00:19:50,919
Speaker 2: way and you see the fancy folks wheeling their bags

459
00:19:50,960 --> 00:19:54,159
Speaker 2: into the special club the lounge access over there, and

460
00:19:54,200 --> 00:19:58,480
Speaker 2: I thought, Okay, I get it, Like I understand why

461
00:19:58,520 --> 00:20:02,280
Speaker 2: folks opt for cards that have access to those different

462
00:20:02,280 --> 00:20:04,760
Speaker 2: lounges or even you know, when sometimes folks will pay

463
00:20:04,800 --> 00:20:07,120
Speaker 2: for that access. Yeah, but that's expensive, and so why

464
00:20:07,160 --> 00:20:09,240
Speaker 2: not get a card that includes that access.

465
00:20:09,280 --> 00:20:11,520
Speaker 1: I think when our kids are older, this is definitely

466
00:20:11,560 --> 00:20:13,200
Speaker 1: a park I'm going to take advantage of because I

467
00:20:13,200 --> 00:20:15,280
Speaker 1: think we'll be traveling a lot more when when my

468
00:20:15,359 --> 00:20:17,760
Speaker 1: kids are double digit ages all of them or something,

469
00:20:17,760 --> 00:20:20,119
Speaker 1: and we're all taking trips together or Emily and I

470
00:20:20,119 --> 00:20:22,280
Speaker 1: are able to get away on more trips like without

471
00:20:22,280 --> 00:20:23,880
Speaker 1: the kids too, when it to be just a little

472
00:20:23,880 --> 00:20:26,080
Speaker 1: bit nicer, well like a date as opposed to just.

473
00:20:26,320 --> 00:20:28,240
Speaker 2: Totally slumming it like you look you did in our

474
00:20:28,880 --> 00:20:29,520
Speaker 2: early twenties.

475
00:20:29,600 --> 00:20:31,080
Speaker 1: Yeah, so again, this is something we don't really take

476
00:20:31,080 --> 00:20:33,280
Speaker 1: advantage of, but I think it's a park worth mentioning,

477
00:20:33,320 --> 00:20:34,720
Speaker 1: and it's a huge one for a whole lot of

478
00:20:34,720 --> 00:20:38,280
Speaker 1: people who are like travel fanatics. Another one in the

479
00:20:38,280 --> 00:20:41,439
Speaker 1: travel spheres. If you live near an airport or Southwest flies,

480
00:20:41,680 --> 00:20:43,600
Speaker 1: you can spend enough on that card to snag a

481
00:20:43,640 --> 00:20:46,080
Speaker 1: companion pass that can be an incredible perk, which the

482
00:20:46,119 --> 00:20:49,800
Speaker 1: companion pass basically means for a year plus that companion

483
00:20:49,840 --> 00:20:53,679
Speaker 1: that you identify gets to travel for basically free, just

484
00:20:53,800 --> 00:20:56,320
Speaker 1: kind of the fees, taxes and fees which are or

485
00:20:56,400 --> 00:21:00,680
Speaker 1: minimal trip cancelation, interruption coverage. That's another perk specifically the

486
00:21:00,760 --> 00:21:03,800
Speaker 1: Chase Sapphire Preferred and some other cards offer as well,

487
00:21:03,960 --> 00:21:05,640
Speaker 1: which can be a nice benefit not having to pay

488
00:21:05,640 --> 00:21:09,119
Speaker 1: extra for that that just comes standard. Lost luggage reimbursement

489
00:21:09,160 --> 00:21:11,840
Speaker 1: is another perk that some of the nicer travel cards

490
00:21:11,920 --> 00:21:14,719
Speaker 1: offer certain customers or offer all their customers. And then

491
00:21:14,760 --> 00:21:17,040
Speaker 1: free global entry and TSA pre check, which is going

492
00:21:17,080 --> 00:21:19,800
Speaker 1: to help speed you through airport security. That's another one.

493
00:21:19,880 --> 00:21:21,520
Speaker 1: I got pre check one time, Matt. This is a

494
00:21:21,520 --> 00:21:23,359
Speaker 1: long time ago, but again I don't travel much anymore,

495
00:21:23,400 --> 00:21:25,199
Speaker 1: so I don't care as much about these perks. But

496
00:21:25,280 --> 00:21:26,840
Speaker 1: that is a good one for people who travel too,

497
00:21:26,880 --> 00:21:30,120
Speaker 1: because it just speeds you through that security line sometimes

498
00:21:30,200 --> 00:21:32,760
Speaker 1: thirty to forty five minutes more quickly, saving you time

499
00:21:32,920 --> 00:21:36,240
Speaker 1: time sometimes keeping you from missing that flight altogether. Exactly,

500
00:21:36,200 --> 00:21:38,040
Speaker 1: it ends up costing you even more money. Yeah, I

501
00:21:38,080 --> 00:21:40,800
Speaker 1: think I saw the Chase Sapphire Reserve. They actually they

502
00:21:40,800 --> 00:21:42,879
Speaker 1: have like one hundred dollars credit that goes towards some

503
00:21:42,920 --> 00:21:45,120
Speaker 1: of the pre checks in every single year. But let's

504
00:21:45,119 --> 00:21:47,880
Speaker 1: get even deeper into some of the different unique benefits

505
00:21:47,920 --> 00:21:49,280
Speaker 1: out there, and we're going to kind of run through

506
00:21:49,280 --> 00:21:50,640
Speaker 1: a bunch of these, but we'll make sure to link

507
00:21:50,720 --> 00:21:53,400
Speaker 1: to just a ton of the specific cards and resources

508
00:21:53,440 --> 00:21:55,240
Speaker 1: in the show notes for this episode so that you

509
00:21:55,280 --> 00:21:57,520
Speaker 1: can find what you need. But cell phone insurance, this

510
00:21:57,560 --> 00:22:00,720
Speaker 1: is an incredibly valuable one that few folks advantage of.

511
00:22:01,320 --> 00:22:03,760
Speaker 1: And so what that means if you are clumsy, if

512
00:22:03,760 --> 00:22:06,919
Speaker 1: you're prone to dropping your phone. First of all, the.

513
00:22:07,200 --> 00:22:08,639
Speaker 2: Cheapest thing you can do is put a case on it,

514
00:22:09,200 --> 00:22:13,040
Speaker 2: case the screen protector. But next consider paying with the

515
00:22:13,119 --> 00:22:16,520
Speaker 2: right credit card in order to score some basically free

516
00:22:16,520 --> 00:22:19,560
Speaker 2: insurance in the event that you were to put your

517
00:22:19,600 --> 00:22:21,720
Speaker 2: phone through the ringer, dump it through the toilet, a

518
00:22:21,840 --> 00:22:24,800
Speaker 2: raccoon runs off with it. You never know, I don't yeah,

519
00:22:24,840 --> 00:22:26,840
Speaker 2: I don't know if the raccoon thing will actually fly.

520
00:22:27,040 --> 00:22:29,119
Speaker 1: Sometimes like stolen, you got to prove it stolen or

521
00:22:29,160 --> 00:22:30,920
Speaker 1: lost accounts too, So where's the police report?

522
00:22:30,920 --> 00:22:33,320
Speaker 2: That's right, that's what they say. But the built car

523
00:22:33,440 --> 00:22:35,240
Speaker 2: this is a great credit card for renters because you

524
00:22:35,280 --> 00:22:37,960
Speaker 2: can actually, by the way, be Ilt b Ilt, Yeah,

525
00:22:38,000 --> 00:22:42,320
Speaker 2: you can actually earn points, earn rewards by actually paying

526
00:22:42,440 --> 00:22:44,679
Speaker 2: your rent with this car's credit card. Up. It's kind

527
00:22:44,720 --> 00:22:46,680
Speaker 2: of doing that yeah, but it also has great cell

528
00:22:46,720 --> 00:22:50,680
Speaker 2: phone insurance that comes with it, the Chase Freedom Flex.

529
00:22:50,720 --> 00:22:53,840
Speaker 2: It's actually another great option, and it offers eight hundred

530
00:22:53,840 --> 00:22:56,960
Speaker 2: dollars per claim with just a fifty dollars deductible. And

531
00:22:57,040 --> 00:22:59,960
Speaker 2: the bonus here is it does not have an annual fee,

532
00:23:00,200 --> 00:23:02,720
Speaker 2: so you don't have to pay out the nose. You

533
00:23:02,720 --> 00:23:04,520
Speaker 2: don't have to pay additional fees in order to have

534
00:23:04,600 --> 00:23:07,240
Speaker 2: access to some of these sweet, delightful benefits.

535
00:23:07,320 --> 00:23:09,240
Speaker 1: Yeah, just from know what the fine print is. Like

536
00:23:09,280 --> 00:23:10,520
Speaker 1: with the built card, I think you have to make

537
00:23:10,560 --> 00:23:13,480
Speaker 1: five transactions a month or something to qualify, and one

538
00:23:13,480 --> 00:23:15,160
Speaker 1: of those needs to be paying your cell phone bill.

539
00:23:15,240 --> 00:23:17,480
Speaker 1: So look and see what the fine print is before

540
00:23:17,560 --> 00:23:20,520
Speaker 1: you say, oh great, I have this perk. Wait, it

541
00:23:20,520 --> 00:23:22,399
Speaker 1: turns out I was paying my cell phone bill with

542
00:23:22,440 --> 00:23:25,240
Speaker 1: a different credit card and now I don't qualify. So

543
00:23:25,359 --> 00:23:26,600
Speaker 1: those are the kind of things you need to know

544
00:23:26,680 --> 00:23:29,440
Speaker 1: to maximize and to actually get to use and qualify

545
00:23:29,440 --> 00:23:31,440
Speaker 1: for these rewards. Let's talk about ride share and food

546
00:23:31,440 --> 00:23:34,520
Speaker 1: delivery apps. Like, if you like taking ride share or

547
00:23:34,720 --> 00:23:37,200
Speaker 1: ordering food delivery, your credit card can help you score

548
00:23:37,200 --> 00:23:40,720
Speaker 1: a discount or even free services on that front. And

549
00:23:40,440 --> 00:23:43,240
Speaker 1: you and I were not really fans of food delivery apps.

550
00:23:43,280 --> 00:23:44,960
Speaker 1: We actually kind of rake them over the coal on

551
00:23:44,960 --> 00:23:48,360
Speaker 1: the Friday flight last week because they're so expensive.

552
00:23:48,400 --> 00:23:51,040
Speaker 2: It's so expensive, But somewhat recently you're even talking about

553
00:23:51,080 --> 00:23:54,000
Speaker 2: how you might even consider it because I forget grocery delivery.

554
00:23:54,040 --> 00:23:57,120
Speaker 2: I said, grocery delivery. Oh yeah, okay, yeah, yeah, that's right, that's.

555
00:23:56,960 --> 00:24:00,199
Speaker 1: Right, which is in my mind. It's still more expensive

556
00:24:00,240 --> 00:24:03,160
Speaker 1: and not ideal, but given kind of all the things

557
00:24:03,160 --> 00:24:06,640
Speaker 1: we've had going on, like far superior than having take

558
00:24:07,119 --> 00:24:09,200
Speaker 1: door dashes where you're just like we literally all you.

559
00:24:09,119 --> 00:24:10,800
Speaker 2: Have to do is go pick up the food exactly.

560
00:24:10,800 --> 00:24:13,119
Speaker 2: It's not like you have to walk through the restaurant

561
00:24:13,200 --> 00:24:16,479
Speaker 2: and hunt for it, right and then make it or something.

562
00:24:16,680 --> 00:24:18,840
Speaker 1: And the fees are astronomical, like we like we discussed

563
00:24:18,880 --> 00:24:21,040
Speaker 1: on Friday, and so you're paying an armor leg But

564
00:24:21,080 --> 00:24:23,080
Speaker 1: if you make that purchase with let's say the Chase

565
00:24:23,119 --> 00:24:27,080
Speaker 1: Afire preferred, you'll get Instacart Plus and door Dash benefits,

566
00:24:27,080 --> 00:24:30,160
Speaker 1: and same thing with Diskounded Lift and Uber Rides. Basically

567
00:24:30,320 --> 00:24:33,920
Speaker 1: basically a certain credit towards what you spend with those companies.

568
00:24:33,520 --> 00:24:35,640
Speaker 2: And so a lot of them have like a it's

569
00:24:35,640 --> 00:24:38,160
Speaker 2: like a fifteen dollars per month credit that goes towards

570
00:24:38,240 --> 00:24:42,119
Speaker 2: those services exactly. And so if you're addicted to getting

571
00:24:42,160 --> 00:24:45,440
Speaker 2: food deliveredy you haven't shaken your pandemic way of having

572
00:24:45,480 --> 00:24:47,439
Speaker 2: stuff just sent to you instead of you actually going to.

573
00:24:47,520 --> 00:24:49,280
Speaker 1: And if you're one of the people who says convenience,

574
00:24:49,320 --> 00:24:51,600
Speaker 1: Trump's money on this front. And I'm still saving, I'm

575
00:24:51,640 --> 00:24:53,000
Speaker 1: still putting money in a wrath and in my four

576
00:24:53,040 --> 00:24:54,960
Speaker 1: to one K guys, don't worry, but this is a

577
00:24:55,000 --> 00:24:57,480
Speaker 1: splurge I make. Well, maybe you can make that splurge

578
00:24:57,520 --> 00:24:59,880
Speaker 1: just a little more intelligently with with one of these

579
00:25:00,240 --> 00:25:02,600
Speaker 1: cards that kind of gives you at least some sort

580
00:25:02,640 --> 00:25:05,960
Speaker 1: of credit or discount for when you do use those apps.

581
00:25:06,000 --> 00:25:08,560
Speaker 2: Again, reading that fine print, checking the back end of

582
00:25:08,640 --> 00:25:11,320
Speaker 2: your favorite credit card in order to see what the

583
00:25:11,560 --> 00:25:13,440
Speaker 2: kind of because we're not going to run through everything here,

584
00:25:13,480 --> 00:25:16,240
Speaker 2: but to see what special little benefits that they offer,

585
00:25:16,760 --> 00:25:21,240
Speaker 2: especially if it's a service or a product, or like

586
00:25:21,280 --> 00:25:25,359
Speaker 2: a restaurant like fast food, for instance, that you already frequent.

587
00:25:25,320 --> 00:25:27,840
Speaker 1: Your Forreign Buffett and you're listening right now, you could

588
00:25:27,880 --> 00:25:31,159
Speaker 1: get your morning McDonald's meal ten percent cheaper the Chase

589
00:25:31,240 --> 00:25:35,159
Speaker 1: Sapphire Preferred. Specifically, they offer ten percent back at a

590
00:25:35,200 --> 00:25:37,359
Speaker 1: bunch of different fast food restaurants. We know, he listens,

591
00:25:37,359 --> 00:25:38,959
Speaker 1: he just hasn't been willing to be a guest yet.

592
00:25:39,000 --> 00:25:39,840
Speaker 1: He's going to go to these days.

593
00:25:39,840 --> 00:25:41,000
Speaker 2: Ah, he's kinding. I would love to have them on

594
00:25:41,320 --> 00:25:45,520
Speaker 2: but McDonald's, but also Subway, Little Caesars, along with just

595
00:25:45,560 --> 00:25:49,320
Speaker 2: a bunch of other random discounts. Again, you only really

596
00:25:49,359 --> 00:25:52,520
Speaker 2: find these by just snooping around in the my account section,

597
00:25:52,760 --> 00:25:55,280
Speaker 2: and you might be surprised to see some random retailer

598
00:25:55,640 --> 00:25:57,960
Speaker 2: that you happen to use and you're missing out on

599
00:25:57,960 --> 00:26:00,000
Speaker 2: a discount because you're not using that particular card.

600
00:26:00,080 --> 00:26:03,080
Speaker 1: Like I saw recently, MX Blue Cash Preferred had I

601
00:26:03,119 --> 00:26:07,280
Speaker 1: think it's expired now, but they basically had almost the

602
00:26:07,680 --> 00:26:11,080
Speaker 1: full rebate of the cost of Google one storage for

603
00:26:11,080 --> 00:26:13,560
Speaker 1: a year, And so I logged into the back end

604
00:26:13,600 --> 00:26:15,119
Speaker 1: to see, well, what are the discounts that they have

605
00:26:15,240 --> 00:26:18,680
Speaker 1: right now? There was a Levi's discount like thirty bucks

606
00:26:18,680 --> 00:26:22,399
Speaker 1: off one fifty or something, and then Fubo, which is

607
00:26:22,400 --> 00:26:24,880
Speaker 1: one of those streaming services that has just a bunch

608
00:26:24,880 --> 00:26:27,080
Speaker 1: of like live sports as well. It was like thirty

609
00:26:27,080 --> 00:26:29,440
Speaker 1: bucks off a month for the next three months if

610
00:26:29,560 --> 00:26:31,040
Speaker 1: you pay with that credit card.

611
00:26:31,119 --> 00:26:31,880
Speaker 2: So very nice.

612
00:26:31,960 --> 00:26:34,280
Speaker 1: These are the kind of things that you have to

613
00:26:34,680 --> 00:26:38,040
Speaker 1: Every credit card is different, but most credit cards offer

614
00:26:38,480 --> 00:26:40,640
Speaker 1: something like this and a laundry list of these things.

615
00:26:40,720 --> 00:26:43,480
Speaker 1: Really like seventy eighty or ninety of these discounts, and

616
00:26:43,520 --> 00:26:45,639
Speaker 1: so it's worth checking in there. Or am I planning

617
00:26:45,640 --> 00:26:48,520
Speaker 1: to make a purchase at Levi's this month? No? Okay,

618
00:26:48,880 --> 00:26:51,240
Speaker 1: forget that. Yeah, but if you were, Bam, that's an

619
00:26:51,240 --> 00:26:53,159
Speaker 1: extra thirty bucks off that you wouldn't have had otherwise.

620
00:26:53,200 --> 00:26:55,720
Speaker 2: Yeah, that's the trick making sure that you don't participate

621
00:26:55,800 --> 00:26:57,760
Speaker 2: in spending that you weren't already planning to do. Like,

622
00:26:57,760 --> 00:26:59,520
Speaker 2: don't look on there and be like, oh, look, thirty

623
00:26:59,560 --> 00:27:03,040
Speaker 2: percent off edible arrangements. Never done that before, but now

624
00:27:03,080 --> 00:27:05,639
Speaker 2: I'm gonna go do it. But that card, specifically, the

625
00:27:05,640 --> 00:27:09,440
Speaker 2: Amex Blue catsch Preferred. Hey those are romantic, Hey baby,

626
00:27:09,440 --> 00:27:11,959
Speaker 2: how about some of this kind of though? The AMX

627
00:27:11,960 --> 00:27:15,560
Speaker 2: Blue catch Preferred also offers return protection, which is really cool.

628
00:27:15,720 --> 00:27:17,159
Speaker 2: This is something a lot of folks might not be

629
00:27:17,200 --> 00:27:19,639
Speaker 2: aware of. And so the way this works, even if

630
00:27:19,640 --> 00:27:23,040
Speaker 2: the retailer you buy something from doesn't take returns, or

631
00:27:23,080 --> 00:27:26,040
Speaker 2: if the clock runs out on your ability to make

632
00:27:26,080 --> 00:27:29,240
Speaker 2: that return within the window, well you can return that

633
00:27:29,280 --> 00:27:33,600
Speaker 2: item to Amex within ninety days of the purchase. So

634
00:27:33,720 --> 00:27:35,960
Speaker 2: there's a limit. It's up to three hundred dollars per item,

635
00:27:36,280 --> 00:27:38,720
Speaker 2: and they limit you to one thousand dollars per year.

636
00:27:39,000 --> 00:27:40,919
Speaker 2: But even still that's a lot of money. That's a

637
00:27:40,920 --> 00:27:44,919
Speaker 2: big perpose, especially for forgetful folks. It can be really helpful. Agreed.

638
00:27:45,000 --> 00:27:47,480
Speaker 1: Yeah, and that's yeah, that's quite to say. Let's say

639
00:27:47,480 --> 00:27:50,119
Speaker 1: you forgot to return some AirPods and you're like taking it.

640
00:27:50,119 --> 00:27:51,520
Speaker 1: I'm out two hundred bucks and I don't really like

641
00:27:51,560 --> 00:27:54,359
Speaker 1: these things, and we'll guess what AMEX will will be

642
00:27:55,000 --> 00:27:57,480
Speaker 1: the apple for you on your behalf, and we'll give

643
00:27:57,520 --> 00:27:59,480
Speaker 1: you your money back. And so that's kind of cool.

644
00:28:00,240 --> 00:28:02,119
Speaker 1: On that same note, extended warranties are kind of the

645
00:28:02,240 --> 00:28:05,880
Speaker 1: cousin to return protections, right, and so the Points Guy

646
00:28:05,960 --> 00:28:07,760
Speaker 1: has a great list of the credit cards that offer

647
00:28:07,840 --> 00:28:11,600
Speaker 1: the best extended warranties like and oftentimes that's an extra

648
00:28:11,680 --> 00:28:14,520
Speaker 1: year or two of the manufacturer's warranty that they'll tack

649
00:28:14,600 --> 00:28:16,400
Speaker 1: on and the credit card will just kind of eat

650
00:28:16,400 --> 00:28:18,399
Speaker 1: it if your item goes bust. That's a way to

651
00:28:18,480 --> 00:28:21,800
Speaker 1: avoid the really expensive like protection plans and stuff that

652
00:28:21,840 --> 00:28:23,560
Speaker 1: they want to sell you. At best Buy, you could

653
00:28:23,680 --> 00:28:26,480
Speaker 1: confidently say no, that's okay, I got the manufacturer's warranty.

654
00:28:26,520 --> 00:28:30,080
Speaker 1: And because I use this card, it doubled that I've

655
00:28:30,080 --> 00:28:31,360
Speaker 1: got plenty of free coverage.

656
00:28:31,520 --> 00:28:34,199
Speaker 2: I don't need your expensive stuff. Yeah, okay, So I

657
00:28:34,240 --> 00:28:37,080
Speaker 2: just saw too that we were talking about the Platinum

658
00:28:37,160 --> 00:28:41,240
Speaker 2: card from Amex specifically when it comes to travel, but

659
00:28:41,280 --> 00:28:44,480
Speaker 2: it also includes a Walmart Plus membership, which I think

660
00:28:44,560 --> 00:28:46,440
Speaker 2: is pretty cool. And you know, this one stands out

661
00:28:46,440 --> 00:28:48,800
Speaker 2: in my mind because more of our shop, like literally

662
00:28:48,840 --> 00:28:53,120
Speaker 2: my family family shopping, we do it online, and it

663
00:28:53,120 --> 00:28:55,840
Speaker 2: seems like Amazon has becomeing sort of the default option,

664
00:28:55,960 --> 00:28:57,160
Speaker 2: not only for us, but I think for a lot

665
00:28:57,160 --> 00:29:00,280
Speaker 2: of folks out there, and they're obviously there's nothing wrong

666
00:28:59,960 --> 00:29:02,440
Speaker 2: with what Bezos is offering.

667
00:29:03,040 --> 00:29:05,600
Speaker 1: But if you're making retired living on a yacht, al right,

668
00:29:05,680 --> 00:29:07,680
Speaker 1: this is jassy. Okay, this is jassy, now, that's true.

669
00:29:08,360 --> 00:29:13,040
Speaker 2: But like, if you're making purchases online without considering other retailers,

670
00:29:13,040 --> 00:29:15,720
Speaker 2: without considering other sites and what their prices are, then

671
00:29:15,960 --> 00:29:18,640
Speaker 2: you could most definitely be overpaying if you are sort

672
00:29:18,640 --> 00:29:22,760
Speaker 2: of a Beholden customer, Beholden audience. And so if you've

673
00:29:22,760 --> 00:29:25,240
Speaker 2: got a card that comes with that membership, which includes

674
00:29:25,280 --> 00:29:28,600
Speaker 2: free shipping, then that could be the last hurdle keeping

675
00:29:28,640 --> 00:29:31,960
Speaker 2: you from doing some proper comparison shopping. So, yeah, maybe

676
00:29:32,000 --> 00:29:34,520
Speaker 2: you do your standard search on Amazon and oh, there's

677
00:29:34,560 --> 00:29:36,440
Speaker 2: a product I want, here's how much is going to cost.

678
00:29:36,440 --> 00:29:39,400
Speaker 2: But you're already logged in to Walmart Plus because you've

679
00:29:39,400 --> 00:29:41,720
Speaker 2: got that account now, and then you can easily pull

680
00:29:41,760 --> 00:29:44,200
Speaker 2: that price up and you're comparing apples to apples. And

681
00:29:44,240 --> 00:29:47,880
Speaker 2: also it's worth mentioning there are store specific cards as well,

682
00:29:47,920 --> 00:29:52,520
Speaker 2: So if you are a frequent buyer at items of

683
00:29:52,560 --> 00:29:55,760
Speaker 2: items at Amazon or Target, it might be worth considering

684
00:29:56,160 --> 00:30:00,160
Speaker 2: getting their store specific cards because they're oftentimes offering a

685
00:30:00,240 --> 00:30:04,560
Speaker 2: very high rate of bonus rates, you know, percent for

686
00:30:04,600 --> 00:30:06,600
Speaker 2: everything you buy. Yeah, either one of those stores with

687
00:30:06,640 --> 00:30:08,600
Speaker 2: those cards exactly. So it's just like if you live

688
00:30:08,680 --> 00:30:11,200
Speaker 2: some pertial discount. It targets like your everything store, Like

689
00:30:11,240 --> 00:30:14,120
Speaker 2: you go there not only for groceries, but also for

690
00:30:15,640 --> 00:30:18,000
Speaker 2: beauty supplies or well, you know, stuff for the yard,

691
00:30:18,080 --> 00:30:19,200
Speaker 2: stuff your baby that kind of.

692
00:30:19,160 --> 00:30:21,240
Speaker 1: Stuff groceries even right, A lot of people exactly the

693
00:30:21,320 --> 00:30:22,560
Speaker 1: Target for groceries now too.

694
00:30:22,520 --> 00:30:25,080
Speaker 2: And then five percent card could make a ton of

695
00:30:25,120 --> 00:30:25,880
Speaker 2: sense for you there.

696
00:30:25,960 --> 00:30:27,880
Speaker 1: Yeah, we got the Amazon card actually when they had

697
00:30:27,880 --> 00:30:29,760
Speaker 1: a two hundred dollars sign up bonus, and typically there's

698
00:30:29,760 --> 00:30:31,320
Speaker 1: no sign up bonus for that card, so that was

699
00:30:31,360 --> 00:30:33,000
Speaker 1: part of what propelled me to get it. I was like, oh,

700
00:30:33,040 --> 00:30:35,560
Speaker 1: three two hundred bucks and five percent back on everything

701
00:30:35,600 --> 00:30:37,800
Speaker 1: we buy in Amazon with no annual fee. I think

702
00:30:37,840 --> 00:30:40,560
Speaker 1: it made sense. So h but we don't have a

703
00:30:40,560 --> 00:30:42,920
Speaker 1: Target card because we don't shop there enough. Although I

704
00:30:42,960 --> 00:30:44,360
Speaker 1: don't know, I guess I'd have to run the numbers.

705
00:30:44,400 --> 00:30:45,840
Speaker 1: My wife actually shops a Target a decent bit, so

706
00:30:46,240 --> 00:30:47,480
Speaker 1: maybe it would make sense to get that one too,

707
00:30:47,560 --> 00:30:50,400
Speaker 1: especially never go to Target again, no annual fee. But

708
00:30:50,480 --> 00:30:52,320
Speaker 1: that's the only place you would want to use those cards.

709
00:30:52,320 --> 00:30:55,160
Speaker 1: You wouldn't use your Target or Amazon card literally anywhere else.

710
00:30:55,400 --> 00:30:58,040
Speaker 1: You would only use them for purchases at those retailers.

711
00:30:58,120 --> 00:31:00,560
Speaker 1: All right, Let's talk about another kind of interesting perk

712
00:31:00,640 --> 00:31:02,560
Speaker 1: that most people don't know about. It's only offered by

713
00:31:02,960 --> 00:31:04,880
Speaker 1: one credit card company that we know of, and that

714
00:31:05,040 --> 00:31:08,720
Speaker 1: is Privacy protection. So this is this definitely fits in

715
00:31:08,720 --> 00:31:11,720
Speaker 1: the unique category. And basically, by turning this feature on

716
00:31:11,920 --> 00:31:14,240
Speaker 1: with Discover, if you have a card from them, they'll

717
00:31:14,240 --> 00:31:18,400
Speaker 1: proactively work to remove your personal information from those people

718
00:31:18,440 --> 00:31:21,400
Speaker 1: search websites, those annoying websites that list out your name,

719
00:31:21,440 --> 00:31:23,520
Speaker 1: your address, your phone number, stuff like that, and they

720
00:31:23,600 --> 00:31:26,560
Speaker 1: will kind of pull back some of that privacy back

721
00:31:26,560 --> 00:31:29,640
Speaker 1: into your life, which could potentially lead to fewer spam

722
00:31:29,720 --> 00:31:31,320
Speaker 1: and fraudulent phone calls, that kind of stuff.

723
00:31:31,400 --> 00:31:33,880
Speaker 2: Yeah, so I've got a financial benefit maybe, but it's

724
00:31:33,920 --> 00:31:35,840
Speaker 2: more like a peace of mind benefit. Yeah.

725
00:31:35,840 --> 00:31:38,360
Speaker 1: I kind of like that because credit card perks have

726
00:31:38,640 --> 00:31:41,440
Speaker 1: over the years proliferated and they've gotten even more interesting and

727
00:31:41,480 --> 00:31:44,400
Speaker 1: even even more unique and different. Credit card like they're

728
00:31:44,440 --> 00:31:46,680
Speaker 1: competing on this front for customers, and I love to

729
00:31:46,680 --> 00:31:48,720
Speaker 1: see that. Discover is like, Hey, what if we have

730
00:31:48,800 --> 00:31:51,720
Speaker 1: had some some like privacy conscious customers and we can

731
00:31:52,000 --> 00:31:54,760
Speaker 1: literally do some work on their behalf in order to

732
00:31:55,480 --> 00:31:57,320
Speaker 1: bring back a little privacy that they used to have

733
00:31:57,440 --> 00:31:58,160
Speaker 1: into their lives.

734
00:31:58,600 --> 00:32:00,560
Speaker 2: I think that's a that's a cool it's a fun

735
00:32:00,560 --> 00:32:05,360
Speaker 2: one totally. And So another standout benefits are some free

736
00:32:05,480 --> 00:32:09,440
Speaker 2: entertainment options that some of the different cards offer specifically.

737
00:32:09,480 --> 00:32:11,440
Speaker 2: And I get that new Apple headset for free. That's

738
00:32:11,480 --> 00:32:15,880
Speaker 2: not entertainment, that's a productivity device. I was just gonna

739
00:32:15,880 --> 00:32:17,880
Speaker 2: watch immersive TV. That's what's gonna what it's going to

740
00:32:17,920 --> 00:32:23,080
Speaker 2: be used for. No free museum visits Bank of America entertaining. Yeah,

741
00:32:23,160 --> 00:32:26,200
Speaker 2: they can get into museums around the country without paying

742
00:32:26,240 --> 00:32:29,840
Speaker 2: a dime the first full weekend of every month. This

743
00:32:29,880 --> 00:32:32,400
Speaker 2: is one actually wasn't aware of until we dug into it.

744
00:32:32,520 --> 00:32:35,320
Speaker 2: But check to see what's available where you live, because

745
00:32:35,320 --> 00:32:37,480
Speaker 2: this could be a killer perk that could save you

746
00:32:37,760 --> 00:32:40,160
Speaker 2: massive amounts of money if you actually take advantage of it.

747
00:32:40,440 --> 00:32:42,640
Speaker 2: But there are different cards. I mean again, we're not

748
00:32:43,000 --> 00:32:45,240
Speaker 2: gonna mention them all, but I saw the Capitol one

749
00:32:45,320 --> 00:32:48,040
Speaker 2: Saver card. If you are into live music or live

750
00:32:48,040 --> 00:32:51,200
Speaker 2: sporting events, they offer eight percent cash back, which nobody

751
00:32:51,240 --> 00:32:54,400
Speaker 2: ever offers that much. That's it's a whopping eight percent.

752
00:32:54,920 --> 00:32:57,720
Speaker 2: And so if you are into again in the realm

753
00:32:57,720 --> 00:33:00,760
Speaker 2: of entertainment, going out there and attending events like that,

754
00:33:00,760 --> 00:33:02,400
Speaker 2: that could be a card that makes a lot of

755
00:33:02,440 --> 00:33:05,360
Speaker 2: sense for you. Yeah, And on a somewhat related note,

756
00:33:05,400 --> 00:33:09,080
Speaker 2: Visa Signature they offer the benefits, Like there are something

757
00:33:09,120 --> 00:33:13,760
Speaker 2: like fifty wineries that participate that are Visa signature wineries

758
00:33:13,760 --> 00:33:16,840
Speaker 2: I guess or whatever. But it's Bogo. You pay for

759
00:33:16,920 --> 00:33:20,080
Speaker 2: one tasting and you get another one for free. So

760
00:33:20,160 --> 00:33:23,000
Speaker 2: if you, I mean, we love craft beer, that's the show.

761
00:33:24,400 --> 00:33:25,920
Speaker 2: I love it. Like I want there to be a

762
00:33:25,960 --> 00:33:28,240
Speaker 2: card that takes up the how to Money challenge and

763
00:33:28,280 --> 00:33:30,959
Speaker 2: accepts our challenge and is going to offer like a

764
00:33:31,160 --> 00:33:34,440
Speaker 2: buy one beer, get one beer free at participating breweries

765
00:33:34,960 --> 00:33:37,080
Speaker 2: across the country. But if you're really into wine, that

766
00:33:37,120 --> 00:33:40,600
Speaker 2: could totally pay off. If you and a friend or

767
00:33:40,600 --> 00:33:42,880
Speaker 2: a significant other love to check out some of the

768
00:33:42,880 --> 00:33:45,440
Speaker 2: different wineries, check out that card and see if there

769
00:33:45,480 --> 00:33:48,200
Speaker 2: are wineries near you that you would attend all the time.

770
00:33:48,320 --> 00:33:50,720
Speaker 1: Yeah, and by the way, that the Bank of America

771
00:33:51,000 --> 00:33:53,240
Speaker 1: card Museum thing is pretty cool, Like the list is

772
00:33:53,640 --> 00:33:56,520
Speaker 1: pretty robust in the Atlanta area. There's some great museums

773
00:33:56,560 --> 00:33:58,480
Speaker 1: I haven't been to. And I'm like, Okay, if that's

774
00:33:58,520 --> 00:34:00,480
Speaker 1: like thirty bucks a pump or let's say you're taking

775
00:34:00,480 --> 00:34:02,080
Speaker 1: a family of four or five, I mean that really

776
00:34:02,080 --> 00:34:03,040
Speaker 1: could time.

777
00:34:02,880 --> 00:34:04,680
Speaker 2: Six, dude. I know that's what I'm saying.

778
00:34:05,360 --> 00:34:08,640
Speaker 1: That's it really like a high Museum of Art free entrance,

779
00:34:08,680 --> 00:34:11,080
Speaker 1: and the Civil Rights Museum, stuff like that, which I

780
00:34:11,320 --> 00:34:12,960
Speaker 1: still somehow have not been to.

781
00:34:13,280 --> 00:34:15,040
Speaker 2: Got to get to. Might have to get a card

782
00:34:15,080 --> 00:34:16,319
Speaker 2: so I can get it for free. You have you

783
00:34:16,320 --> 00:34:19,000
Speaker 2: been to the uh so there's a local museum here

784
00:34:19,080 --> 00:34:22,000
Speaker 2: and on Sundays it's free. Oh yeah, I've heard about that. No,

785
00:34:22,040 --> 00:34:23,320
Speaker 2: I haven't been. You I got check that on. Okay,

786
00:34:23,320 --> 00:34:25,480
Speaker 2: I gotta check that one out, all right. One One.

787
00:34:25,760 --> 00:34:28,720
Speaker 1: Another perk that we feel is worth messing is referring

788
00:34:28,920 --> 00:34:31,400
Speaker 1: other people to one of your favorite cards, and you

789
00:34:31,440 --> 00:34:34,919
Speaker 1: can snag meaningful money back for telling your friends about

790
00:34:34,920 --> 00:34:37,960
Speaker 1: your favorite card, sometimes seventy five hundred dollars a pop.

791
00:34:38,560 --> 00:34:41,880
Speaker 1: I do not suggest spamming your friends, no, but if

792
00:34:41,880 --> 00:34:43,440
Speaker 1: you feel like that card will be helpful to them, yeah,

793
00:34:43,520 --> 00:34:45,560
Speaker 1: send them a link. I literally sent a link to

794
00:34:45,760 --> 00:34:49,479
Speaker 1: a friend the other day about the Matt Propane East.

795
00:34:49,520 --> 00:34:51,840
Speaker 1: We call propane Taxi but now it's called Cinch. Yeah,

796
00:34:51,840 --> 00:34:53,200
Speaker 1: And one of my friends was asking about it and

797
00:34:53,239 --> 00:34:55,040
Speaker 1: I was like, yeah, it's great, and it literally costs

798
00:34:55,040 --> 00:34:56,880
Speaker 1: a dollar more than going to Kroger and they'll just

799
00:34:56,880 --> 00:34:58,799
Speaker 1: like pick it up and replace your tanks for you know,

800
00:34:58,920 --> 00:35:02,319
Speaker 1: about the same price, and yeah, I would get twenty

801
00:35:02,320 --> 00:35:04,000
Speaker 1: five bucks on Amazon if he signs up for it,

802
00:35:04,040 --> 00:35:06,200
Speaker 1: be in my link. There's no shame in that game, right,

803
00:35:06,200 --> 00:35:08,000
Speaker 1: And so you can do the same thing with credit

804
00:35:08,080 --> 00:35:11,040
Speaker 1: cards where if yeah, if you and even if you

805
00:35:11,120 --> 00:35:13,120
Speaker 1: just have a significant other and they don't have that

806
00:35:13,160 --> 00:35:15,640
Speaker 1: card yet, well you don't have to necessarily put them

807
00:35:15,680 --> 00:35:18,440
Speaker 1: on your account, give them the referral link, let them

808
00:35:18,480 --> 00:35:20,359
Speaker 1: sign up for their own. That way, they maybe get

809
00:35:20,360 --> 00:35:23,840
Speaker 1: a sign up bonus and you get the referral credit

810
00:35:23,880 --> 00:35:24,480
Speaker 1: at the same time.

811
00:35:24,920 --> 00:35:26,919
Speaker 2: So you got to look at all the different ways

812
00:35:26,920 --> 00:35:28,799
Speaker 2: that you can score benefits with credit cards, not just

813
00:35:28,840 --> 00:35:31,560
Speaker 2: the official I mean, I guess you know. The referrals

814
00:35:31,560 --> 00:35:33,760
Speaker 2: are something that a lot of cards offer.

815
00:35:33,840 --> 00:35:35,560
Speaker 1: Yeah, there's a lot of things, a lot of different

816
00:35:35,560 --> 00:35:37,360
Speaker 1: ways you can play this cable. Don't usually think about it,

817
00:35:37,400 --> 00:35:40,719
Speaker 1: but you can start selling your friends and family on

818
00:35:40,760 --> 00:35:41,600
Speaker 1: your favorite credit.

819
00:35:41,440 --> 00:35:43,879
Speaker 2: Cards and make a bundle exactly. But you know, it's

820
00:35:43,920 --> 00:35:47,320
Speaker 2: not all rainbows and butterflies though. There are some downsides

821
00:35:47,440 --> 00:35:49,719
Speaker 2: to credit card use, and we want to make sure

822
00:35:49,800 --> 00:35:53,160
Speaker 2: that we cover those specifically as they pertain to trying

823
00:35:53,200 --> 00:35:55,080
Speaker 2: to take advantage of some of these different benefits that

824
00:35:55,120 --> 00:35:57,520
Speaker 2: cards offer. We will get to all of that right

825
00:35:57,560 --> 00:35:58,000
Speaker 2: after this.

826
00:36:07,480 --> 00:36:09,920
Speaker 1: All right, Matt, let's keep going talking about credit cards.

827
00:36:09,960 --> 00:36:12,360
Speaker 1: And yes, of course, there are a lot of unique

828
00:36:12,360 --> 00:36:15,040
Speaker 1: benefits we just mentioned. I'm sure a lot of those,

829
00:36:16,120 --> 00:36:17,960
Speaker 1: or at least a few of those many of our

830
00:36:18,000 --> 00:36:20,440
Speaker 1: listeners had no idea about, like the wine thing or

831
00:36:20,480 --> 00:36:23,520
Speaker 1: the museum thing. And those perks can be meaningful, right,

832
00:36:23,719 --> 00:36:25,319
Speaker 1: and especially, like we said at the beginning, if you

833
00:36:25,320 --> 00:36:28,719
Speaker 1: handle credit cards in a discipline manner, these are it's

834
00:36:28,800 --> 00:36:31,440
Speaker 1: sugar on top of the reward you're already getting the

835
00:36:31,440 --> 00:36:34,040
Speaker 1: ones that are posted everywhere and on the commercials about

836
00:36:34,080 --> 00:36:36,120
Speaker 1: the cash back and the percentage you get when you

837
00:36:36,200 --> 00:36:36,719
Speaker 1: use that card.

838
00:36:36,800 --> 00:36:37,239
Speaker 2: That's right.

839
00:36:37,320 --> 00:36:39,239
Speaker 1: I think one last perk I feel like it's worth

840
00:36:39,280 --> 00:36:41,600
Speaker 1: mentioning is that you can you build up a great

841
00:36:41,600 --> 00:36:43,839
Speaker 1: credit score when you use your credit card well. And

842
00:36:44,120 --> 00:36:45,480
Speaker 1: I think everyone.

843
00:36:45,200 --> 00:36:48,600
Speaker 2: Knows this is like the broccoli and carrots breefits. Not

844
00:36:48,680 --> 00:36:51,480
Speaker 2: as sexy as some of those other ones, but but boys,

845
00:36:51,520 --> 00:36:52,000
Speaker 2: it good for you.

846
00:36:52,160 --> 00:36:53,799
Speaker 1: It is over the long home, of course. Yeah, and

847
00:36:53,840 --> 00:36:56,239
Speaker 1: I think everyone knows that handling credit well is going

848
00:36:56,280 --> 00:36:58,200
Speaker 1: to be a boost to your score. But that includes

849
00:36:58,239 --> 00:37:00,560
Speaker 1: credit cards. When you when you use your credit cards,

850
00:37:00,560 --> 00:37:02,239
Speaker 1: when you keep that utilization low, when you pay it

851
00:37:02,280 --> 00:37:04,360
Speaker 1: off on time and in full every month, you're building

852
00:37:04,360 --> 00:37:07,839
Speaker 1: a solid score which helps you out in your the

853
00:37:07,840 --> 00:37:10,239
Speaker 1: financial arena in a bunch of different ways over the

854
00:37:10,239 --> 00:37:13,319
Speaker 1: long run. Whether it's applying for an apartment to live

855
00:37:13,320 --> 00:37:15,799
Speaker 1: in and boy, you got this like seven to ninety

856
00:37:15,840 --> 00:37:18,759
Speaker 1: credit score and they say yes immediately because your credit

857
00:37:18,840 --> 00:37:21,720
Speaker 1: score is so great, or whether it's getting that lower

858
00:37:21,719 --> 00:37:24,240
Speaker 1: interest rate when you're buying a home, that kind of stuff.

859
00:37:24,600 --> 00:37:27,440
Speaker 1: But I think that's one of the things that deserves

860
00:37:27,440 --> 00:37:29,880
Speaker 1: mentioning as well. But now, now let's get to the

861
00:37:29,920 --> 00:37:32,360
Speaker 1: cons and like kind of what you have to wade

862
00:37:32,400 --> 00:37:34,560
Speaker 1: through really in order to score some of these perks.

863
00:37:34,800 --> 00:37:36,840
Speaker 1: They sound great on their face, and they are. I

864
00:37:36,840 --> 00:37:38,520
Speaker 1: think there's a lot that are worth taking advantage of

865
00:37:38,600 --> 00:37:40,480
Speaker 1: and worth considering. But at the same.

866
00:37:40,280 --> 00:37:42,560
Speaker 2: Times, right, these delightful perks, Yeah, so we get to

867
00:37:42,560 --> 00:37:46,360
Speaker 2: take advantage, they don't necessarily they don't make it easy always,

868
00:37:46,480 --> 00:37:50,040
Speaker 2: that's right. Yeah, Unfortunately, there's always a catch. And the

869
00:37:50,080 --> 00:37:52,799
Speaker 2: biggest one of all, you know, I think is the

870
00:37:52,800 --> 00:37:55,239
Speaker 2: fact that a lot of these cards that offer these

871
00:37:55,280 --> 00:37:59,080
Speaker 2: incredibly attractive benefits come with an annual fee. It's going

872
00:37:59,160 --> 00:38:01,799
Speaker 2: to cost you anywhere from like ninety five bucks to

873
00:38:02,200 --> 00:38:03,920
Speaker 2: six hundred and ninety five dollars. I think that's the

874
00:38:04,080 --> 00:38:06,880
Speaker 2: biggest annual fee that we came across, depending on the

875
00:38:06,920 --> 00:38:09,880
Speaker 2: card that you're considering. And here's the thing. This is

876
00:38:09,920 --> 00:38:13,080
Speaker 2: regardless of whether or not you actually take advantage of

877
00:38:13,120 --> 00:38:15,799
Speaker 2: those benefits, once you get that new card, you can

878
00:38:15,840 --> 00:38:18,200
Speaker 2: expect that annual feed to show up on your first statement.

879
00:38:18,480 --> 00:38:21,280
Speaker 2: So don't let that catch you off guard. It's gonna

880
00:38:21,280 --> 00:38:24,160
Speaker 2: be there. And some of these perks can be had

881
00:38:24,160 --> 00:38:26,919
Speaker 2: from cards that don't levy an annual fee, but you're

882
00:38:26,920 --> 00:38:28,799
Speaker 2: gonna pay at least a little bit for some of

883
00:38:28,840 --> 00:38:29,880
Speaker 2: the best perks that we mentioned.

884
00:38:29,920 --> 00:38:32,279
Speaker 1: You want those airline lounges, you can expect to fork

885
00:38:32,280 --> 00:38:34,000
Speaker 1: over a minimum of three ninety five a year.

886
00:38:34,080 --> 00:38:36,279
Speaker 2: I don't. I don't think that they doesn't see any

887
00:38:36,360 --> 00:38:38,280
Speaker 2: access for any less than that. I didn't.

888
00:38:38,320 --> 00:38:39,879
Speaker 1: I not that I saw, but I could be wrong,

889
00:38:40,000 --> 00:38:42,680
Speaker 1: and maybe if I am our listeners, I'm sure again

890
00:38:43,000 --> 00:38:45,200
Speaker 1: it will. We'll send us, we'll send us emails letting

891
00:38:45,280 --> 00:38:47,839
Speaker 1: us know. But that's the thing. Yeah, for the best

892
00:38:47,880 --> 00:38:51,719
Speaker 1: benefits for the biggest benefits for the stuff that is

893
00:38:52,160 --> 00:38:55,000
Speaker 1: like even more rarefied, you are going to you know,

894
00:38:55,160 --> 00:38:56,520
Speaker 1: likely it'd have to get one of those cards that

895
00:38:56,600 --> 00:38:59,399
Speaker 1: has an annual fee. If you want the primary car

896
00:38:59,440 --> 00:39:02,120
Speaker 1: rental insurre. It's still a bargain. I would say the

897
00:39:02,200 --> 00:39:04,640
Speaker 1: Chase Sapphire preferred annual fee is ninety five dollars. That's

898
00:39:04,680 --> 00:39:06,759
Speaker 1: not terrible to get a perk like that along with

899
00:39:06,800 --> 00:39:09,160
Speaker 1: the other perks they offer, but be aware of that

900
00:39:09,480 --> 00:39:12,320
Speaker 1: and if you're you're not taking advantage of the perks

901
00:39:12,520 --> 00:39:15,040
Speaker 1: to the degree you thought, well, the annual fee just

902
00:39:15,080 --> 00:39:18,680
Speaker 1: might not be worth it. And unfortunately, most cards aren't

903
00:39:18,680 --> 00:39:22,120
Speaker 1: going to give you the Costco membership money back guarantee, right,

904
00:39:22,160 --> 00:39:24,000
Speaker 1: so you can't try it out for a year and

905
00:39:24,000 --> 00:39:27,759
Speaker 1: then say, hey, actually, now it wasn't my jam and

906
00:39:27,800 --> 00:39:30,319
Speaker 1: then they'll pay. They'll they'll give your money back and

907
00:39:30,360 --> 00:39:32,839
Speaker 1: they throw in a Rotissey chicken just because they're kind.

908
00:39:33,040 --> 00:39:34,600
Speaker 2: Yeah. I don't know if they actually do that, but

909
00:39:34,840 --> 00:39:36,600
Speaker 2: yeah maybe, I don't know. If you get a particulary,

910
00:39:36,600 --> 00:39:38,680
Speaker 2: get that on the front end for the sign up

911
00:39:38,760 --> 00:39:41,440
Speaker 2: offers that sometimes yah Costco has actually yes, here's a

912
00:39:41,480 --> 00:39:46,800
Speaker 2: case of water, a hot chicken, and a swifter's totally random.

913
00:39:47,120 --> 00:39:49,319
Speaker 1: Yeah, they have had those, like sign up bonuses back

914
00:39:49,320 --> 00:39:50,440
Speaker 1: and they they're rare though they're.

915
00:39:50,320 --> 00:39:52,320
Speaker 2: Hard to come back. I haven't seen them as much recently.

916
00:39:52,400 --> 00:39:54,239
Speaker 1: Yeah, well, they don't really need to. They have so

917
00:39:54,280 --> 00:39:57,000
Speaker 1: many members and it's a desirable place to be more

918
00:39:57,000 --> 00:39:59,960
Speaker 1: crushing it. But you just can't cancel a couple of week,

919
00:40:00,280 --> 00:40:02,320
Speaker 1: twelve months get your money back. That's not how it works.

920
00:40:02,640 --> 00:40:06,160
Speaker 1: You can, though, try and contact the credit cards customer

921
00:40:06,200 --> 00:40:08,520
Speaker 1: retention line to see if you're able to get the

922
00:40:08,560 --> 00:40:11,399
Speaker 1: fee waived or reduced. And that is a worthwhile thing.

923
00:40:11,440 --> 00:40:13,360
Speaker 1: Like that's asking for a discount, which is something we

924
00:40:13,360 --> 00:40:16,359
Speaker 1: talk about on the show regularly. Especially if they wave

925
00:40:16,400 --> 00:40:18,480
Speaker 1: the first year's fee, there's a chance they'll discount it

926
00:40:18,520 --> 00:40:20,640
Speaker 1: at least in order to keep you happy. And it's

927
00:40:20,640 --> 00:40:23,000
Speaker 1: always worth of the shot. It's always worth asking because

928
00:40:23,000 --> 00:40:24,239
Speaker 1: the worst thing they can say is no.

929
00:40:24,480 --> 00:40:26,799
Speaker 2: That's right. Yeah, well, and don't forget too if you

930
00:40:27,320 --> 00:40:29,960
Speaker 2: are an active member of the military. So it's the

931
00:40:30,520 --> 00:40:33,480
Speaker 2: service Member's Civil Relief Act that passed in the early

932
00:40:33,520 --> 00:40:36,319
Speaker 2: two thousands. But this means that card issuers have to

933
00:40:36,320 --> 00:40:40,200
Speaker 2: give certain benefits to active service men and women, and

934
00:40:40,360 --> 00:40:43,279
Speaker 2: most banks, most card issuers go above and beyond and

935
00:40:43,320 --> 00:40:45,680
Speaker 2: they just fully waive the annual fees. So if you

936
00:40:45,880 --> 00:40:48,759
Speaker 2: are an active military member, realize that you don't have

937
00:40:48,800 --> 00:40:52,640
Speaker 2: to pay eighty fees and there's nothing but upside.

938
00:40:52,320 --> 00:40:55,839
Speaker 1: For you, specifically for active military members, Like why not

939
00:40:56,239 --> 00:40:58,680
Speaker 1: get the American Express card that has the six hundred

940
00:40:58,719 --> 00:40:59,960
Speaker 1: and seven hundred dollars anually.

941
00:40:59,880 --> 00:41:01,920
Speaker 2: If there is a temptation to overspend, right And like,

942
00:41:01,920 --> 00:41:03,840
Speaker 2: that's just one of the other cons is that. And

943
00:41:03,880 --> 00:41:05,319
Speaker 2: we kind of touch on this earlier, So I'm not

944
00:41:05,320 --> 00:41:07,160
Speaker 2: going to spend too much time on this. But if

945
00:41:07,200 --> 00:41:11,080
Speaker 2: you are, yeah, if this is a slippery slope for you,

946
00:41:11,160 --> 00:41:14,200
Speaker 2: or if you've dealt with overspending in the past, this

947
00:41:14,239 --> 00:41:17,640
Speaker 2: isn't something that we want you to take advantage of because, like, honestly,

948
00:41:17,800 --> 00:41:20,800
Speaker 2: the biggest requirement of managing some of these different benefits

949
00:41:20,960 --> 00:41:23,640
Speaker 2: is to stay organized and to know what it is

950
00:41:23,640 --> 00:41:26,160
Speaker 2: that you are seeking after, right, Like, it takes the

951
00:41:26,239 --> 00:41:28,759
Speaker 2: right kind of person to be able to keep up

952
00:41:28,800 --> 00:41:31,600
Speaker 2: with the different offerings that the banks are dangling out

953
00:41:31,640 --> 00:41:33,680
Speaker 2: there in front of us. And so even if you're

954
00:41:33,680 --> 00:41:36,120
Speaker 2: not tempted to overspend at all because you've always used

955
00:41:36,120 --> 00:41:38,319
Speaker 2: a credit card. It takes someone who is able to

956
00:41:38,320 --> 00:41:41,279
Speaker 2: stay organized and just keep up with how much you've

957
00:41:41,320 --> 00:41:43,360
Speaker 2: already spent and then how much more you need to

958
00:41:43,360 --> 00:41:46,520
Speaker 2: spend in order to score that sweet bonus. For instance.

959
00:41:46,800 --> 00:41:48,600
Speaker 2: I think some folks are able to just wing it,

960
00:41:48,719 --> 00:41:50,040
Speaker 2: you know, they can do the math in their head.

961
00:41:50,320 --> 00:41:52,840
Speaker 2: But others might want to dedicate a little bit of

962
00:41:52,880 --> 00:41:55,320
Speaker 2: time to at least keeping a spreadsheet with a running

963
00:41:55,320 --> 00:41:58,319
Speaker 2: total how much they have left to spend in order

964
00:41:58,360 --> 00:42:00,799
Speaker 2: to snag that benefit. But something keep in mind if

965
00:42:00,800 --> 00:42:03,719
Speaker 2: that is not your in your wheelhouse, Like if you

966
00:42:04,040 --> 00:42:07,360
Speaker 2: haven't even started budgeting yet, then taking advantage, for instance,

967
00:42:07,360 --> 00:42:10,960
Speaker 2: of credit card offers, it's probably not something that you

968
00:42:11,960 --> 00:42:12,840
Speaker 2: are probably ready for.

969
00:42:12,920 --> 00:42:15,120
Speaker 1: Yeah, you're not ready for Depcon two when you have

970
00:42:15,160 --> 00:42:20,240
Speaker 1: achieved Coon one, right, But I think it's also important

971
00:42:20,280 --> 00:42:22,799
Speaker 1: to mention and note that offers change and that credit

972
00:42:22,880 --> 00:42:25,239
Speaker 1: card benefits are changing all the time. Especially during COVID,

973
00:42:25,280 --> 00:42:28,240
Speaker 1: we saw a lot of travel cards start offering pulling

974
00:42:28,239 --> 00:42:31,080
Speaker 1: back on some things and offering better benefits in other areas,

975
00:42:31,400 --> 00:42:34,080
Speaker 1: and we mentioned this. I don't know a few months ago,

976
00:42:34,160 --> 00:42:38,120
Speaker 1: but Costco their City credit card, for instance, they stopped doubling.

977
00:42:38,160 --> 00:42:40,960
Speaker 1: The manufacturers weren't speaking of Costco, which is a bummer,

978
00:42:41,040 --> 00:42:43,479
Speaker 1: right for any anybody who holds that card and found

979
00:42:43,480 --> 00:42:46,359
Speaker 1: that perk to be helpful. Like I enjoyed that perk, right,

980
00:42:46,360 --> 00:42:47,839
Speaker 1: It gave me peace of mind when I was making

981
00:42:47,840 --> 00:42:50,240
Speaker 1: a big purchase, like Okay, cool to buy a fridge

982
00:42:50,280 --> 00:42:53,280
Speaker 1: at Costco. I've got four years worth a warranty versus

983
00:42:53,560 --> 00:42:56,080
Speaker 1: one year at home Depot or something like that. But

984
00:42:56,239 --> 00:42:58,000
Speaker 1: that no longer exists. So you've got to kind of

985
00:42:58,360 --> 00:43:00,400
Speaker 1: stay up to speed and say, Okay, does this cards

986
00:43:00,400 --> 00:43:02,640
Speaker 1: still offer this benefit that I value or have they

987
00:43:02,719 --> 00:43:06,960
Speaker 1: kind of changed the rewards that they offer customers and

988
00:43:07,120 --> 00:43:09,319
Speaker 1: especially Matt those ones we were talking about when you

989
00:43:09,320 --> 00:43:11,759
Speaker 1: click my account in the back end of you know,

990
00:43:11,800 --> 00:43:14,319
Speaker 1: your credit card sign in page, credit card dashboard, Yeah,

991
00:43:14,320 --> 00:43:17,080
Speaker 1: you'll see like those are always changing and they'll say

992
00:43:17,080 --> 00:43:19,040
Speaker 1: this is twenty four days left on this offer, or

993
00:43:19,080 --> 00:43:21,080
Speaker 1: this one expires at the end of next month, and

994
00:43:21,160 --> 00:43:23,680
Speaker 1: so yeah, if you make the purchase with that card

995
00:43:24,120 --> 00:43:27,799
Speaker 1: outside of the dates that that reward is available, like

996
00:43:28,040 --> 00:43:30,080
Speaker 1: it just it go poof, it goes away. It vanishes

997
00:43:30,120 --> 00:43:31,680
Speaker 1: and so you don't have access to it anymore.

998
00:43:31,680 --> 00:43:33,279
Speaker 2: That's right, yeah, I mean, bottom line, we just don't

999
00:43:33,280 --> 00:43:36,080
Speaker 2: want rewards to go to waste. Research shows that a

1000
00:43:36,160 --> 00:43:39,280
Speaker 2: quarter or nearly a quarter of credit card users haven't

1001
00:43:39,280 --> 00:43:41,840
Speaker 2: redeemed any of the rewards in the past twelve months,

1002
00:43:41,840 --> 00:43:44,319
Speaker 2: and we don't want you to be like them. And

1003
00:43:44,360 --> 00:43:46,680
Speaker 2: one of the reasons is because the rewards that you

1004
00:43:46,760 --> 00:43:51,080
Speaker 2: earn become less valuable over time, and so saving them

1005
00:43:51,120 --> 00:43:53,839
Speaker 2: for a rainy day is the wrong tactic to take.

1006
00:43:54,080 --> 00:43:56,600
Speaker 2: It's one of the reasons. So I've got with Capital

1007
00:43:56,640 --> 00:43:58,560
Speaker 2: one I think they have. I guess it's I assume

1008
00:43:58,600 --> 00:44:00,840
Speaker 2: it's on all the different diferent cars they offer. But

1009
00:44:00,880 --> 00:44:03,440
Speaker 2: you can automate the rewards and so once it hits

1010
00:44:03,480 --> 00:44:06,080
Speaker 2: a certain threshold, it automatically gets applied to your account.

1011
00:44:06,160 --> 00:44:08,920
Speaker 2: I love that because it takes the onus off of me,

1012
00:44:09,000 --> 00:44:10,560
Speaker 2: and that's one thing I don't have to worry about

1013
00:44:10,560 --> 00:44:14,120
Speaker 2: where it is automatically being redeemed. But like what we're

1014
00:44:14,160 --> 00:44:17,000
Speaker 2: talking about today, though, like all the different benefits, they

1015
00:44:17,040 --> 00:44:20,520
Speaker 2: aren't something that you have to accrue. It doesn't build up.

1016
00:44:20,520 --> 00:44:22,000
Speaker 2: But you don't have to build up these dollars or

1017
00:44:22,000 --> 00:44:23,719
Speaker 2: these points in order to use them. These are things

1018
00:44:23,719 --> 00:44:26,880
Speaker 2: that are available on day one. It just takes again,

1019
00:44:26,920 --> 00:44:29,920
Speaker 2: like Joel said, like digging into the fine print, logging

1020
00:44:29,960 --> 00:44:33,000
Speaker 2: into the back end, and seeing what benefits are available

1021
00:44:33,040 --> 00:44:35,160
Speaker 2: to you that you just aren't taking advantage of it. Yeah.

1022
00:44:35,160 --> 00:44:36,520
Speaker 1: I think it's a good idea to have a redemption

1023
00:44:36,640 --> 00:44:39,319
Speaker 1: strategy in mind for travel points you're accruing, or for

1024
00:44:39,400 --> 00:44:42,480
Speaker 1: cash back, hopefully automatically redeeming that right with every statement

1025
00:44:42,480 --> 00:44:44,880
Speaker 1: period or something like that. But then again, with all

1026
00:44:44,880 --> 00:44:47,560
Speaker 1: these secondary these other perks that we're talking about, these

1027
00:44:48,040 --> 00:44:50,680
Speaker 1: unique offers that the credit card companies have, make a

1028
00:44:50,719 --> 00:44:52,920
Speaker 1: plan to use them. So if it's the free museum thing,

1029
00:44:52,960 --> 00:44:56,040
Speaker 1: it's the first, you know, weekend of every month. Put

1030
00:44:56,080 --> 00:44:58,440
Speaker 1: it on the calendar and be like, cool, we're going

1031
00:44:58,520 --> 00:44:59,439
Speaker 1: to hit up at least three.

1032
00:44:59,400 --> 00:45:00,000
Speaker 2: Museums this year.

1033
00:45:00,239 --> 00:45:02,560
Speaker 1: Yeah, And that way you're actually taking advantage of the

1034
00:45:02,560 --> 00:45:04,480
Speaker 1: things that you say you're going to and make a

1035
00:45:04,480 --> 00:45:06,719
Speaker 1: note kind of whether it's writing on the physical card

1036
00:45:06,719 --> 00:45:09,839
Speaker 1: itself or having a little piece of paper in your

1037
00:45:09,880 --> 00:45:12,359
Speaker 1: wallet or your purse, they kind of reminds you, Okay,

1038
00:45:12,400 --> 00:45:14,040
Speaker 1: this is the card I used when I book a

1039
00:45:14,080 --> 00:45:16,560
Speaker 1: Lyft because I get fifteen dollars a month or twenty

1040
00:45:16,560 --> 00:45:18,399
Speaker 1: dollars a month towards my lyft right.

1041
00:45:18,360 --> 00:45:20,000
Speaker 2: Rabbits, sharpy right it directly on there.

1042
00:45:20,040 --> 00:45:22,000
Speaker 1: Make sure you're using the right card for the right things,

1043
00:45:22,040 --> 00:45:25,280
Speaker 1: because if you're not, you're not actually getting the awards

1044
00:45:25,440 --> 00:45:27,560
Speaker 1: that you're hoping to get or you thought you were

1045
00:45:27,600 --> 00:45:28,839
Speaker 1: going to get when you signed up for that card,

1046
00:45:28,840 --> 00:45:31,680
Speaker 1: because you're using the wrong one. It's a really important thing,

1047
00:45:32,080 --> 00:45:35,440
Speaker 1: and it's something that I think it's a basic mistake

1048
00:45:35,480 --> 00:45:37,839
Speaker 1: that a lot of people could make. Matt and one

1049
00:45:37,880 --> 00:45:39,520
Speaker 1: other thing, Like I don't know how long ago, this

1050
00:45:39,680 --> 00:45:41,520
Speaker 1: was maybe six eight months ago. On the show, we

1051
00:45:41,560 --> 00:45:45,040
Speaker 1: talked about our super Chill credit card optimization strategy, and

1052
00:45:45,440 --> 00:45:48,320
Speaker 1: we basically what we pointed people to was a basic

1053
00:45:48,400 --> 00:45:51,120
Speaker 1: three card approach that we thought made sense for a

1054
00:45:51,120 --> 00:45:52,799
Speaker 1: whole lot of people. You don't have to overthink it,

1055
00:45:52,800 --> 00:45:55,080
Speaker 1: you don't have to overdo it, and just having three

1056
00:45:55,200 --> 00:45:57,959
Speaker 1: cards and using them appropriately will garner you a whole

1057
00:45:57,960 --> 00:46:02,120
Speaker 1: lot in terms of cash back, and we'll probably lead

1058
00:46:02,120 --> 00:46:04,600
Speaker 1: to you earning hundreds and hundreds of dollars in cash

1059
00:46:04,600 --> 00:46:08,440
Speaker 1: back on credit cards every single year. This implementing some

1060
00:46:08,480 --> 00:46:12,680
Speaker 1: of these deeper rewards and trying to maximize these these

1061
00:46:12,719 --> 00:46:15,359
Speaker 1: other more unique benefits you can get. It might lead

1062
00:46:15,400 --> 00:46:17,759
Speaker 1: people to bringing more than just three credit cards into

1063
00:46:17,800 --> 00:46:20,480
Speaker 1: their lives. So I think there's like probably a happy balance,

1064
00:46:20,480 --> 00:46:22,160
Speaker 1: But like you said, you've got to stay organized, right,

1065
00:46:22,200 --> 00:46:23,320
Speaker 1: And so I think.

1066
00:46:23,200 --> 00:46:25,400
Speaker 2: You depends on your personality, depends on what you're what

1067
00:46:25,400 --> 00:46:27,239
Speaker 2: you're capable of, like what you're down for, because I

1068
00:46:27,280 --> 00:46:28,960
Speaker 2: think there are some folks out there who could go

1069
00:46:29,080 --> 00:46:31,439
Speaker 2: the I'm going to get fifteen different cards in each

1070
00:46:32,080 --> 00:46:33,799
Speaker 2: every single like I'm only going to use them for one,

1071
00:46:33,960 --> 00:46:36,080
Speaker 2: you know, one kind of purchase only. I think that

1072
00:46:36,120 --> 00:46:38,400
Speaker 2: could work for certain individuals. But you got to know

1073
00:46:38,440 --> 00:46:40,880
Speaker 2: yourself and for all those folks out there, you know

1074
00:46:40,920 --> 00:46:43,040
Speaker 2: who I'm talking about, right, I'm talking to you know yourself.

1075
00:46:43,120 --> 00:46:45,040
Speaker 1: Yeah, And there's no need to go a whole hog, right,

1076
00:46:45,160 --> 00:46:46,680
Speaker 1: or you don't have to do that. But I think

1077
00:46:46,719 --> 00:46:48,719
Speaker 1: some probably like a happy medium is great. Like if

1078
00:46:48,760 --> 00:46:51,480
Speaker 1: you're doing the three card optimization thing, that's great, that's

1079
00:46:51,480 --> 00:46:53,600
Speaker 1: a great strategy, and maybe you incorporate you pull in

1080
00:46:53,680 --> 00:46:56,680
Speaker 1: one or two other cards over time that have some

1081
00:46:56,760 --> 00:46:58,320
Speaker 1: of the favorite secondary benefits.

1082
00:46:58,320 --> 00:47:00,480
Speaker 2: That we mentioned today, who say, oh, yeah, now I

1083
00:47:00,520 --> 00:47:02,640
Speaker 2: really am going to get a lot of use out

1084
00:47:02,680 --> 00:47:05,080
Speaker 2: of the rental car coverage or when it hit up

1085
00:47:05,120 --> 00:47:09,200
Speaker 2: those fifty win winery Right yeah, fine, those get those

1086
00:47:09,239 --> 00:47:11,359
Speaker 2: specific cards bring that into your life, the ones where

1087
00:47:11,400 --> 00:47:13,760
Speaker 2: you feel like that's going to be the best returning investment,

1088
00:47:13,760 --> 00:47:16,560
Speaker 2: and particularly specifically if it's a credit card that.

1089
00:47:16,600 --> 00:47:19,799
Speaker 1: Has no or a low annual fee but has like

1090
00:47:19,960 --> 00:47:22,440
Speaker 1: a high return when it comes to the value you're

1091
00:47:22,440 --> 00:47:25,160
Speaker 1: going to get from from those secondary rules.

1092
00:47:24,840 --> 00:47:26,760
Speaker 2: Right yeah, as long as you are able to again

1093
00:47:27,320 --> 00:47:29,560
Speaker 2: use that credit card properly and you are not caring

1094
00:47:29,560 --> 00:47:32,280
Speaker 2: a balance and you are not paying any additional dollars

1095
00:47:32,320 --> 00:47:34,479
Speaker 2: on top of that annual fee to the credit card

1096
00:47:34,480 --> 00:47:37,200
Speaker 2: company where they are making bank. And by the way,

1097
00:47:37,200 --> 00:47:39,160
Speaker 2: we'll also link to our credit card tool because that

1098
00:47:39,200 --> 00:47:41,200
Speaker 2: can be sometimes folks don't want to read an entire

1099
00:47:41,280 --> 00:47:43,399
Speaker 2: article and you just want to click some sliders. Our

1100
00:47:43,520 --> 00:47:45,799
Speaker 2: credit card tool allows you to do just that, where

1101
00:47:45,840 --> 00:47:48,640
Speaker 2: you can sort different credit cards based on some of

1102
00:47:48,640 --> 00:47:50,960
Speaker 2: the different benefits that they offer. Yeah, we'll make sure

1103
00:47:51,000 --> 00:47:52,439
Speaker 2: to link to that in the show notes, but it's

1104
00:47:52,480 --> 00:47:56,279
Speaker 2: just also how toomoney dot com forward slash credit card tool.

1105
00:47:56,640 --> 00:47:58,080
Speaker 2: Joel is that it for credit cards? Were going to

1106
00:47:58,080 --> 00:47:59,560
Speaker 2: get back to the beer, Yeah, let's do it all right.

1107
00:47:59,600 --> 00:48:02,440
Speaker 2: This one was the jammiest bits of jam and I'm

1108
00:48:02,440 --> 00:48:03,960
Speaker 2: glad I got to say it this time because you

1109
00:48:04,000 --> 00:48:06,359
Speaker 2: said it at the beginning. I love this title. This

1110
00:48:06,440 --> 00:48:08,800
Speaker 2: is another beer that we got to enjoy from Sour Cellars.

1111
00:48:08,800 --> 00:48:09,879
Speaker 2: What were your thoughts on this one?

1112
00:48:09,920 --> 00:48:12,919
Speaker 1: Okay, so very jammy, which I love like I love

1113
00:48:12,960 --> 00:48:15,040
Speaker 1: it when it's a sour beer. But it's also got

1114
00:48:15,040 --> 00:48:18,160
Speaker 1: like some thickness. It almost tastes like there's like parade

1115
00:48:18,600 --> 00:48:21,600
Speaker 1: fruit in the beer, which is my jam.

1116
00:48:21,680 --> 00:48:26,040
Speaker 2: It carried no pun intil It certainly carried a little

1117
00:48:26,080 --> 00:48:28,480
Speaker 2: bit of sediments as well, so it's like, oh, they're

1118
00:48:28,560 --> 00:48:29,840
Speaker 2: using real.

1119
00:48:29,680 --> 00:48:32,279
Speaker 1: Bits of fruit. Oh this well, this one was for real.

1120
00:48:32,320 --> 00:48:34,040
Speaker 1: And this one was made with boison berries. I'm more

1121
00:48:34,080 --> 00:48:35,759
Speaker 1: of a strawberry fan, but I actually think I like

1122
00:48:35,800 --> 00:48:37,359
Speaker 1: this boison berry beer a little more.

1123
00:48:37,560 --> 00:48:39,279
Speaker 2: Have we talked about boys and berries before in the show.

1124
00:48:39,280 --> 00:48:41,040
Speaker 2: I don't know if I've ever had just straight up

1125
00:48:41,239 --> 00:48:45,680
Speaker 2: boison berry before. I prefer sn I wasberries, but I

1126
00:48:45,719 --> 00:48:47,640
Speaker 2: guess because of the color with a purple, it kind

1127
00:48:47,680 --> 00:48:49,920
Speaker 2: of reminds me of grape like it almost has like

1128
00:48:49,920 --> 00:48:53,720
Speaker 2: a grapey jam urns. Yeah, like a current, but super

1129
00:48:54,360 --> 00:48:56,440
Speaker 2: I would say it's a little less aggressive than the

1130
00:48:56,520 --> 00:48:58,560
Speaker 2: last Sour Cellars beer that we had this. I guess

1131
00:48:58,600 --> 00:49:00,799
Speaker 2: it's because of maybe more the fruit that's in this

1132
00:49:00,880 --> 00:49:03,480
Speaker 2: one that brought along some more sweetness not quite as tart,

1133
00:49:03,719 --> 00:49:06,360
Speaker 2: not quite as tart, which I'm all about so certainly

1134
00:49:06,480 --> 00:49:08,680
Speaker 2: enjoyed this one. Glad we got to enjoy yet another

1135
00:49:08,719 --> 00:49:13,640
Speaker 2: beer from Sour Sellers from or out of Rancho Cucamonga,

1136
00:49:13,760 --> 00:49:14,640
Speaker 2: Rancho Cucamonga.

1137
00:49:15,040 --> 00:49:17,840
Speaker 1: I am totally going to go to Rancho Cucamonga someday

1138
00:49:17,880 --> 00:49:20,160
Speaker 1: one of these days and try more Sour Sellers beers

1139
00:49:20,160 --> 00:49:22,680
Speaker 1: because they're killing it. This is, I mean, right in

1140
00:49:22,719 --> 00:49:26,480
Speaker 1: my alley of favorite style and they're making a couple ones.

1141
00:49:26,520 --> 00:49:28,239
Speaker 2: For sure. I don't know how I'd never heard of them.

1142
00:49:28,280 --> 00:49:30,040
Speaker 2: It kind of reminds me of, Man, what's the last

1143
00:49:30,040 --> 00:49:32,760
Speaker 2: time you had a cascade? They a sour By cascade,

1144
00:49:32,760 --> 00:49:34,400
Speaker 2: but it kind of reminds you of them. The format similar,

1145
00:49:34,440 --> 00:49:37,440
Speaker 2: It's a larger bottle, a lot of fruit, pretty aggressive.

1146
00:49:38,160 --> 00:49:40,880
Speaker 2: They certainly I wouldn't be surprised if maybe there's a

1147
00:49:40,880 --> 00:49:42,920
Speaker 2: little bit of cross pollination going on even between those

1148
00:49:42,920 --> 00:49:44,920
Speaker 2: two guys. Yeah, no, if they made a collab, I'd

1149
00:49:44,960 --> 00:49:47,080
Speaker 2: totally drink it for sure, absolutely, But yeah, we'll make

1150
00:49:47,120 --> 00:49:49,840
Speaker 2: sure to link to the different resources we mentioned during

1151
00:49:49,960 --> 00:49:52,000
Speaker 2: this episode up on the website at how to money

1152
00:49:52,040 --> 00:49:54,960
Speaker 2: dot com and you can do a sport slash credit

1153
00:49:54,960 --> 00:49:57,319
Speaker 2: card Toool if you're looking for that. But Joel, that's

1154
00:49:57,360 --> 00:50:00,360
Speaker 2: going to be it for this episode, buddy. Until next time,

1155
00:50:00,560 --> 00:50:02,439
Speaker 2: Best Friends Out, Best Friends Out,