My2024 Credit Card and Financial Strategy for HUGE Rewards 

I appreciate you showing us your financial life behind the curtain. This is very humanizing and makes your channel more genuine!

I am very glad you talked about insurance, it is something that a lot of people don't think about and even fewer understand. The one thing I would add about the gap insurance is before you purchase it from the dealership, check with your auto insurance company. Often times they will sell it for significantly less than the dealership. Not all auto insurance companies will offer it, but when they do, it will save you a ton of money.

Great that you are so open about the good and the bad. I think this is rare on RU-vid. We have a $1M umbrella policy too. Good advice

My advice is to always pay off your debt ASAP. I bought a house at 7.25% and the stock performance is not doing so hot this year, so I have been actively paying more to my principal. So, if your mortgage rate > stock performance, then always pay more on your mortgage.

That's a lot of restaurant spending.

I prefer the money guys financial order of operations.

I also got umbrella insurance recently.

I have American Airlines $99 annual fee. I also have choice privilege and ihg credit cards, no annual fees. Chase freedom flex and citi custom cash. Great video ❤

Loved this vid!

2:21 Can we hear more about this RU-vidr building?

😮😮😮 nice umbrella ☂️

17:25 That looks like a hell of a lot more than a 2 million dollar lawsuit. Let's hope if you cause a pileup, it's not that massive 😅

Perhaps the US Bank cash + card for 5% on utilities

New flex card would give you 5% groceries and gas for a year plus quarterly stuff.

That's cool, but did you get to answer David Packman's questions?

🔥video

Ben, I love this video. You started me on the credit card game 6+ years ago. Since then, I have also been listening to Dave Ramsey a lot. Though I don't follow his recommendations to the T (I love credit cards), debt is not a great thing and should be exclusive to purchasing a home. You rock for this video and all of the others you have made. I hope to rent your Airbnb in the upcoming years. Have an awesome evening.

Is your cabin a long-term rental or a crappy short-term Airbnb rental?

Let me start by saying, love your videos. You mentioned in your video Umbrella insurance covers you an additional million, it does not. If you already have one million liability on your home rental properties, then you maxed at that limit, umbrella coverage would not kick in. Umbrella coverage covers excess liability of your existing liability coverage, but no more than one million. So for example you have 500k in liability coverage for your auto, but are liable for lets say 750k, your auto will pay out 500k and your umbrella will pay the additional 250k. Now lets say same example but your liable for 1.25 million now, your auto will pay out 500k, and your umbrella will pay out the other 500k, the remaining 250k your still on the hook for. Umbrella only covers you max at 1million for all your liability polices per occurrence. If you want an additional million in coverage, you should consider 2-3mil umbrella policy. Hope this helps.

Many have a love hate relationship with Ramsey.

You can transfer windham diamond status to Ceasars and go to the Bahamas for a 5 day free stay at the Atlantis resort there. Its a great perk and amazing value.

Doesn't the Wyndham Business Earner card pay 5x on utilities. I value Wyndham points at 1.1ccp, so that is 5.5% earn. I am surprised you don't use that for utilities.

Would you be able to make a beginners strategy card build for the UK

Great video man

Hey Ben is it still true that if I ask for a credit limit increase to any bank that it counts as a chase 5/24 slot?

Anyone know any workarounds to maximize the restaurant bonus this quarter on CFF? I don't eat out much, but I'd really love to maximize the insane 7x rewards.

I stopped the video the moment you said you still followed Dave Ramsey 😂😂😂

Great plan Ben let's go!

You don't have to pay quarterly taxes?

好强 ，学到好多 师傅

Use your Wyndham points for Vegas man. I’d love to see a Vegas themed episode

Good video

Your honesty about your finances is really appreciated. But the fact that you needed to learn very basic concepts about debt from whackjob Dave, scares the crap out of me. No wonder you have so many points, you are in debt to your eyelids!! That's a ton of spending in restaurants; cook more meals at home. You'll be able to pay for many flights with the savings!

Last week I used 3 Hilton free night certificates at the Waldorf Astoria Los Cabos Pedigral, the room would have been $1,800 per night, not including the upgrade. It was insane.

$25k amex loan!? 😵 Yikes! Kinda negates the value of all those Amex points you've been collecting! (*unless it was some crazy low interest loan) Good for you paying that off!

I hope you didn't buy another Jeep 🤦🏽‍♂️

Hi Ben are you Andrew Garfield’s older brother?

How's life in a RU-vid network building?

LOL!! Credit shifu learning from Dave Ramsey. You do realize that Ramsey considers Credit cards to be Satan's financing.

Is rocket money better than max rewards ??

Insurance is definitely an interesting piece. I have a meeting with my broker in a couple weeks to review ours. Do you have Life as well? Ever considered Disability? So many different ways to insure yourself out there

Ramsey is often wrong, so be careful what guru advice you follow. Don't let the emotions surrounding debt blind you to the correctness of the arithmetic. No bank is giving you money for real estate that they can't get back. Dave's advice is often directed to the ignorant (undereducated seems nicer, sorry, but it is true).

2024 strategy: Prepare for 1970s hyperinflation, buying gold, bitcoin, and energy stocks. Expand back into real estate by 2027, mainly land.

Look into Church of Scientology and Clearwater and decided how you please.0

Great video Ben. Love your 2024 plan!

Also in nyc and would love to meetup talk finance credit gym etc if you are interested! I am a normal guy not a RU-vidr etc. !

English & MAGA? Proper embarrassing m8. How does that happen?