Choose One! 13 Financial New Year’s Resolutions for 2022

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As another challenging year comes to a close, it’s time to put on your optimism hat and envision a better 2022 in which the pandemic transitions to an endemic. A year in which workplaces begin to resemble a steady state of the new normal and not a single NCAA bowl game is canceled.

Alas, much of this is beyond your control, but there are a number of things that you can control, and choosing at least one of the following 13 ideas below will go a long way toward putting you in a better financial position by this time next year.

If you’ve already done everything on the list, congratulations! You probably don’t need to be here. Go out and enjoy the wealth you’ve built, and help others do the same!

If not, start with one item on the list, check it off, and move on to the next one. I’ve updated and expanded the list for 2022, and I wish you nothing but success in this New gotta-be-better-than-the-last-two-years Year.

 

 

financial-new-years-resolutions

 

#1. Calculate Your Net Worth

 

This is a great place to start. If you want to set financial goals for yourself, it helps to know where you’re at, first.

It’s not a complicated equation. You add up your assets, subtract your liabilities, and the result is your net worth.

People get hung up on what should and shouldn’t be included. Vehicles? Jewelry? Art? Football cards? You can get as specific as you want, but if it’s a depreciating asset and/or its value is < 1% of your net worth, I wouldn’t bother counting it.

I’ve got supposedly “valuable” football and baseball cards and other junk. Any jewelry my wife owns has more sentimental than monetary value, and that monetary value is a drop in the bucket compared to our invested assets. Our vehicles might be worth $50,000 combined, but they cost money to operate and will depreciate as we use them. I don’t count any of it when I calculate our net worth.

I do count the value of all our investment accounts and properties owned.

We’re debt-free, but if you’ve got mortgage debt, student loan debt, credit card debt, or any other debt, those go in the liabilities column.

I don’t have a pension coming, but I should receive Social Security eventually. I don’t include this in my calculation, but if you’re near retirement and your pension or Social Security appears to be a sure thing, you can find a calculator to estimate the value of that benefit as a lump sum in today’s dollars if you so choose.

I do count the value of my home and any money set aside for college (529 Plans) in my net worth, but not in my retirement assets. If you’re married with combined finances, you should be looking at your net worth as a family, as we do.

The fine details aren’t all that important. Just figure out where you stand today and monitor that number at least annually to ensure you’re headed in the right direction.

Passive Income MD asked, “Should You Track Your Net Worth?” My answer is yes.

 

 

#2. Track Your Portfolio

 

Again, we’re just wanting to determine where we’re at. What do we own? In which accounts? How are these investments performing?

You may have investments in a half-dozen places: IRA, 401(k) or 403(b), HSA, 457(b), 529 Plan, cash value life insurance, defined benefit plan, etc…

It’s helpful to look at everything at a glance in one place. I do this in two ways, and I suggest you do one or the other or both.

First, I use a spreadsheet I created that updates the value of publicly traded assets daily based on the ticker symbol. I’ve set it up to calculate the overall asset allocation across the board and tell me which classes are underweight or overweight compared to my desired asset allocation. It helps with rebalancing and looks pretty.

The downside is that it took a lot of work to set up and I do need to update the number of shares of different stocks and mutual funds I own on a fairly regular basis. I do this about once per quarter.

I can save you the setup work by giving you a universal portfolio tracking spreadsheet. It’s up to you to enter your funds and the asset classes they’re holding, but the sheet will do the rest.

portfolio-spreadsheet

 

 

Enter your email, and I’ll send you a copy. I’ll also send you new emails alerting you to new posts, but you can opt out of those and into a weekly digest or opt out entirely as soon as you’ve got your sheet. No hard feelings.

 

 

Personal Capital’s Free App & Software

Second, I use Personal Capital to see what’s happening across my accounts on a more regular basis. On any given day, I can log-in to see my current net worth, asset allocation in greater detail, overall performance among all accounts, within each account, or for each asset.

 

 

It’s got a fee analyzer to show what you’re paying in 401(k) fees and a retirement calculator to show if you’re on target to have a successful retirement (I am!).

 

PC_Fee_Analyzer

 

Personal Capital pairs very well with the spreadsheet because it will log in to all of you accounts and display all of the balances and shares owned on one screen, making updating my spreadsheet so much easier.

 

PC_Retirement_Planner

 

They do have an advisory service that costs money — I don’t use it or recommend it — and they will advertise that service to you if you sign up and use the free financial software. There’s a reason they can offer such a robust service “for free.” They do make good money off a small percentage of people who sign up and choose to use them as a financial advisor. I am not one of those people.

Nevertheless, I have been happy using the website and app for the last seven or so years. I was using it and recommending it long before I had a website of my own.

 

#3. Track Your Spending & Consider a Budget

 

Once again, if you want to know how you’re doing financially, you need to keep track somehow. Since spending is a key component of both your savings rate and your required nest egg to consider yourself financially independent, it’s important to know how much you spend on a monthly and yearly basis.

You can do this as loosely or accurately as you want. Before I had a blog, I knew what our credit card bills looked like and how much came out of our checking account for large expenses like property taxes.

Without actively tracking our spending, I knew that most months, we were spending $5,000 to $6,000.

Once I had a blog, I started tracking it more closely to prove to the world and myself that we were indeed financially independent. What I learned was confirmative. Using Mint.com initially and later Personal Capital, I learned that our expenses were indeed in the range of $6,000 to $7,000 a month.

After about three years of tracking it, I could see that our spending was remarkably consistent and stopped keeping close track.

Now that we’re on the hook for health insurance, I anticipate spending to be closer to $80,000 in a “normal” year. Our travel budget was cut drastically in 2020 and 2021, although we did have two full months in Spain to kick off 2020, spent ample time in Florida plus two weeks in Mexico in 2021, and we took a cruise in November before Omicron was a thing.

When you pay closer attention to where the money goes, you can more easily identify areas in which you could potentially save money, and you can ensure that your spending is well aligned with your priorities.

While I’ve never personally followed a budget — being a natural-born frugal weirdo has obviated the need — if you consistently spend more than you want to or more than you’ve planned, a budget may be what you need to get on track.

You Need a Budget is a popular budgeting and forecasting tool that many people swear by. You can also create your own spreadsheet, download someone else’s template, or even use an antiquated system of labeled envelopes with cash for different spending categories.

If you haven’t before, start tracking your spending in 2022.

 

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#4. Write an Investor Policy Statement

 

It sounds fancy and complicated, but this is something you should be able to accomplish fairly quickly. It can be as simple as you’d like it to be.

Start with a desired asset allocation. List the accounts you’ll be investing in. You can build it out from there.

Being closer to retirement, I’ve included some basic elements of our drawdown strategy. While unnecessary if you’re decades from retiring, it’s a good idea to start thinking about how you’ll be accessing your hard-earned money when you do need it eventually.

If you’ve already written an IPS, an annual review is a good idea. The tax code changes; sometimes your job or income changes. If you haven’t looked at yours in over a year, it’s a good idea to review and perhaps revise the living document as needed.

If you need some guidance, I’ve written a few posts detailing my own IPS, why it says what it says, and how it has changed. And yes, it’s due for a review and possibly some revision.

 

If you want a more complete financial plan that includes not only investments, but also insurance, estate planning, asset protection, and more, consider investing in The White Coat Investor’s master course, Fire Your Financial Advisor, which will teach you what you need to know and leave you with a comprehensive financial plan.

 

If you’re reading this before January 4, 2022, WCI has a buy-one-get-one-free offer. He’ll give you all 30+ talks with 10 CME credits from the Las Vegas WCICon, now packaged as Continuing Financial Education 2020 with a purchase of any of the following:

 

 

#5. Increase Your Savings Rate

 

When physicians ask how much they should be saving annually, I generally recommend they try to live on half their takehome pay. In other words, save and invest as much as you spend.  When it comes to student loan debt, I think of debt paydown as a form of saving and investing; you’re improving your net worth and getting a guaranteed return.

If you can do this, you’ll go from broke to a financially independent and work-optional state in about 15 years or so, depending on market conditions.

If you’ve tracked spending, you may be able to identify money being spent that’s poorly aligned with your long-term goals. There may be some subscriptions or services that aren’t really being used or really are not necessary.

The other side of your savings rate (calculate yours here) is income. Can you increase your income? Negotiate a raise? Do some locum tenens work on the side?

The White Coat Investor recommends a savings rate of 20% of your gross income, which works out to maybe 30% to 35% of net for most of us. If you can elevate your savings rate to the point where you’re paying off debt or investing a dollar for every dollar you spend, you’ll be in even better shape before you know it.

Make It happen in 2022.

 

#6. Understand Your Taxes (and what you can do to lower them).

 

Do you understand the difference between your effective and marginal tax rates? Have you looked over your 1040 line by line? Do you understand the Section 199A 20% deduction for qualified business income?

When you understand how your taxes are calculated, you’ll be better equipped to pay less. Unfortunately, those of us who work for a living can only do so much to lower our taxes. Earned income will always be subject to taxation, especially when you have the earning power of a high-income professional.

However, you can impact your final tax bill. Here are a few of the ways I lower my taxes:

 

There are strategies for everyone to keep tax bills in check (see my “Top 10 “Ways to Lower Your Taxes for more than a dozen ideas), but it’s particularly important for those not being paid as a W-2 employee to understand how the tax code works.

The best tool for tax planning I’ve found is CPA Kathryn Hannah’s Personal Finance Bundle, a tool I’ve used to optimize my charitable giving and QBI deduction in both 2020 and 2021. For a detailed overview, see this article with screenshots and additional information.

You can also take a look at additional posts I’ve published devoted to the topic of taxes to further your financial education.

Join MDforLives and get a chance to enter a lucky drawing for $250 this month for those referred by Physician on Fire.

 

#7. Optimize your Debt Paydown Plans

 

If you’ve got debt, make plans to pay down those debts in a way that makes sense for you. Not all debt is all bad, of course, but debt-free is a good way to be, and if you’ve got high-interest debt, you’re going to want to focus on that first.

 

Credit Card Debt

Credit card debt is a big no-no, and It’s going to be among the highest interest debt around. If you have credit card debt, figure out what you can do to pay it off as quickly as possible.

This may involve selling high-dollar items you’ve purchased or changing expensive plans you’ve made, but credit card debt should be viewed as a financial emergency.

Once you’ve figured out how quickly you can eliminate that debt, consider picking up a 0% APR balance transfer card.

Don’t let that be an excuse to let the credit ride. Pay down the balance before the introductory rate rises. You don’t want to end up back in the same boat, which is more of a sinking ship than a boat that floats. And please, don’t ever allow yourself to rack up additional credit card debt ever again!

Student Loan Debt

Student Loan debt is another common debt among physicians and other professionals. The interest can be moderately high, and the balances are often well into the six figures.

The New Year is a great time to review your plan to eliminate student loan debt, whether it’s via a forgiveness program such as PSLF or via a rapid paydown plan.

You’ll find dozens of educational articles and calculators, as well as the latest refinancing rates and cash-back offers on my Student Loan Resource page.

 

Student Loan Refinancing Disclosures

 

I’ve offered to donate $100 to the charity of your choice if you refinance via my resource page. I’d love to see more people take me up on this offer.

If you’d like a professional consult, Travis Hornsby and his crew have consulted on over $750 Million in student loans for over 3,000 Student Loan Planner clients, and they frequently save their clients tens of thousands of dollars over the life of their loans. The average found savings has been over $50,000. That’s about a 100x ROI on the consult. Explore their options here.

Dr. Jim Dahle has added student loan consults to his list of services, co-founding Student Loan Advice, a White Coat Investor company, with Andrew Paulson, CSLP. You can learn more about the costs and advantages of a consult with Student Loan Advice here.

 

Mortgage and Consumer Debt

Loans for automobiles, motorcycles, boats, RVs, etc… are not uncommon, either. Personally, I think a high-income professional ought to wait until they can afford to pay cash for these kind of things. A car payment does not need to be a line item on your budget. However, if you do take on debt for this stuff, make sure it’s low-interest and always pay on time.

Regarding mortgage debt, it’s not as “valuable” as it once was. With the increased standard deduction that went into effect in 2018, only about 10% of Americans will actually see a reduction in their taxes based on itemized deductions that include mortgage interest.

You don’t have to make any more than your minimum mortgage payments, but you might want to consider adding additional money to you monthly payments to pay down the principal faster, especially if interest rates rise and inflation subsides.

We were 100% debt-free by the time I turned 40, and it is a great feeling. Eliminating low-interest debt isn’t always the monetarily optimal choice, but I have no regrets.

 

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#8. Earn Easy Travel Rewards

 

There are a number of websites and forums devoted entirely to the world of credit card travel rewards. The amount of information can be overwhelming, leading to analysis by paralysis.

However, I’ve discovered that the Pareto principle definitely applies here. You can get at least 80% of the results with 20% of the effort.

There are a number of great offers on both travel reward and cash back cards. If you’re new to the game, I recommend starting with a Chase card that has solid perks and points that can be used for cash or often more lucratively for travel with one of many partners. The Chase Sapphire Preferred is a good option, with a $95 annual fee  and an offer of 60,000 points after meeting the minimum spend of $4,000 in three months. That’s worth $750 in travel when booking through the Chase portal and potentially more when transferring points to travel partners.

Chase Bank is a great place to start, because if you’ve picked up more than five cards in two years, Chase will typically reject your application for a new card, no matter how good your credit is.

To learn more about earning and redeeming rewards, visit my guide to Credit Cards for People Who Love Free Travel and Money.

To keep track of the cards you have, their perks, and the other cards available, download my updated credit card tracking spreadsheet, which is regularly updated.

 

 

 

 

While I generally prefer Chase cards for their best-in-class travel perks, the best card to come out in 2021 in my opinion is the Capital One Venture X. The statement credits can more than cover the annual fee, there’s a huge welcome bonus worth $1,000 when you meet the minimum spend, and you get airport lounge access via the Priority Pass.

 

Capital One Venture X

100,000 point bonus after spending $10,000 in the first 6 mo.
PoF Summary

Up to $300 credit each year for travel booked on Capital One Travel, 10,000 bonus miles each account anniversary ($100 value). Unlimited Priority Pass Lounge Access, $100 Global Entry or TSA Pre✓ credit, and for a limited time, up to $200 statement credit for vacation rental purchases (Airbnb, VRBO). $395 fee can be more than offset with travel credit & annual point bonus

 

Finally, if you’ve got a small business, there’s a world of business cards available to you. I’ve recently updated my overviews of the top business card options for small business owners and the best cash back cards for everyone.

 

#9. Read a Personal Finance Book (or Five).

 

A frequent mid-career sentiment when it comes to money management is “I don’t know where to start.” I’ve written a two-part Investing Basics series, which is decent for a brief overview, but what you really need is a good book.

When I was in medical school, I read The Only Investment Guide You’ll Ever Need by Andrew Tobias. The paperback gave me good perspective and kept me from making expensive mistakes.

The best book available today for med students, residents and early-career physicians is The White Coat Investor. He’s got a great site, too, of course, but the book is well organized and can be read in a few short hours.

His followup, Financial Boot Camp is an excellent complement to the first book, and he released a third book aimed at professional students in 2021, The White Coat Investor’s Guide for Students: How Medical and Dental Students Can Secure Their Financial Future.

Dr. Cory S. Fawcett, a surgeon who retired in his mid-fifties, has written five financial books specifically for physicians, and I’ve reviewed most of them on this site.

 

Finally, a few other good, quick reads I highly recommend are Jonathan Clements’ How to Think About Money, John Bogle’s Little Book of Common Sense Investing, JL Collins’ Simple Path to Wealth, and Morgan Housel’s The Psychology of Money.

With the background knowledge from one or more of these books, you’ll be able to better understand many of the blog posts you read and the questions and answers you see in various online forums.

 

 

Bonus (#9.5?): Join a Q&A Forum

 

I’ve learned a ton from reading threads on various online forums and more recently, Facebook Groups. I strongly recommend the following:

 

Join me — I frequent all of the above — and I promise you’ll learn a ton, too.

 

#10. Complete a Legacy Binder

 

When a death occurs in the family, particularly when it’s unexpected, sorting out the finances can be a monumental challenge. Sadly, this was the reality for many unprepared Americans in 2020, and the pandemic didn’t magically disappear when the ball dropped at midnight.

A legacy binder, or “In Case of Emergency” Binder will not only have information on insurance policies, brokerage and retirement accounts, but also how to access them, who to call, and where to find important documents.

Usernames and passwords for emails, social media accounts, and more are a part of this.

I’ve got my own copy of Chelsea Brennan’s well-organized Legacy Binder, and you can get yours here.

 

#11. Make Your First Real Estate Investment

 

I’ve owned a number of homes over the years and I’ve invested in Vanguard’s REIT index for years, but in the last few years, I’ve expanded my real estate holdings significantly and without a whole lot of effort.

Crowdfunded real estate platforms have made it easier for people like you and me to access commercial real estate and other investments.

Those who qualify as accredited investors have the most options, but there are also options for everyone, regardless of income or net worth. Examples include eREITs from Fundrise, Diversyfund, and RealtyMogul.

Accredited investors are individuals with a net worth of $1 Million (excluding primary home) or an income of $200,000 as an individual or $300,000 as a couple.

I’ve made the following investments as an accredited investor over the last several years:

  • A value-add multifamily investment via EquityMultiple (completed, 2.49% IRR)
  • A value-add multifamily investment via Alpha Investing (completed, 50.5% IRR)
  • A loan for a fix-and-flip property via PeerStreet (completed, 8.5% IRR)
  • A loan for a fix-and-flip property via RealtyShares (completed, 7.0 IRR)
  • An investment in a student housing project and a ground-up townhome project via Crowdstreet

*some of the above are referral links, and PoF may be compensated for certain actions you take with them. 

 

I like these investments because people with more knowledge and time than me have done most of the due diligence. That doesn’t eliminate risk, obviously, and the investments are generally illiquid over the short term, but you are rewarded for those with increased returns.

For example, the forty-some completed investments with Crowdstreet have given investors an average internal rate of return of nearly 20% per year.

To see my ongoing returns and the final results of five of my recent real estate investments that have gone full circle, see My Many Real Estate Investments.

 

#12 Shift to an Abundance Mindset with Charitable Giving

 

With your eyes on the prize of financial independence, it can be difficult to freely part with money you’ve worked hard to obtain. However, when you realize that your success is inevitable, you realize that you’re in a great position to help others who are less fortunate.

Since the pandemic started, more people than normal worried about how they would pay their utility bills and put food on the table. It has not a normal time, and many small businesses and individuals have suffered.

When you live with what some call a “scarcity mindset,” which I think is the default option and consistent with innate human nature, you see a limited amount of money and you want to keep as much of it as you can. It hurts to spend and it’s hard to give. You want the biggest pie slice, or better yet, the whole pie.

Transitioning to an “abundance mindset,” you realize that the pie can grow, your slice can grow right along with it, and you’ll have more to share. Starting a donor advised fund helped me make that transition. Sure, it stings a little when you make a large, lump sum contribution to your giving fund, but from that point on, you can give freely from it to dozens or hundreds of charities. It’s not your money anymore, so why not?

After almost six years of Physician on FIRE, we’ve donated over $500,000 of online income to charites and/or our donor advised fund(s).

In 2020, we made grants from our DAF of over $70,000 to a wide variety of charities, some chosen by you, and many in  support of COVID relief. Since 2019, we’ve sponsored the salary of one of the employed surgeons at the One World Surgery facility in Honduras where we’ve volunteered as a family in the past.

I encourage you, as you get closer to being able to afford a comfortable retirement of your own, to consider donating generously to others, as well. I support you putting on your own oxygen mask first, but once you’re breathing easy, see what you can do to help those around you.

 

#13 Start Your First Side Hustle

 

I still think of side gigs as optional, but in a world where physician jobs and incomes are less stable than ever, some consider it mandatory to create additional income streams, even for doctors and other high-income professionals.

Yes, there are good reasons for doctors to have side hustles, and there’s no time like the present to start yours!

You can stick with what you know, picking up additional work as a locum tenens physician to start your first side gig.

Along those lines, you can use the knowledge and wisdom you’ve accumulated to earn money by completing paid medical surveys. A few options:

Your side hustle doesn’t have to have anything to do with your primary job. If you want to tend bar, park cars, or work at an amusument park, have at it. A better option might be to start a small business in which you can eventually outsource most of the work, making it a semi-passive source of income.

That business can be a traditional retail or service company in a brick and mortar store or it could exist only online and over the airwaves. You can be a blogger, podcaster, or Youtuber and earn money for creating content people wish to consume.

If you’ve toyed with an idea for a business or project on the side, the best way to start is by starting. Make 2022 the year that your next chapter begins.

 



 

Best wishes on making and keeping all financial and other New Year’s Resolutions in 2022! And good riddance, 2021!!!

 

What Resolutions have you made for 2022? How have you fared with prior New Year’s Resolutions?

 

Physician on FIRE has partnered with CardRatings for our coverage of credit card products. Physician on FIRE and CardRatings may receive a commission from card issuers.

16 thoughts on “Choose One! 13 Financial New Year’s Resolutions for 2022”

  1. Subscribe to get more great content like this, an awesome spreadsheet, and more!
  2. Thanks for this post and Happy New Year. Since you spoke making your first real estate investment in Number 11, I thought I would ask you about this in terms of how it relates to your asset allocation strategy. Direct real estate investing is not for me, but I do own Vanguard Index REIT ETF and a similar REIT index Fund with Fidelity. I noticed that both Fidelity and Vanguard consider these equity allocations and not as a separate category as real estate. Do you consider your Vanguard REIT ETF as an equity or real estate allocation?

    Reply
  3. Really good article here. I could not agree more with what was stated. I try and implement these into my life with some regularity. One thing I have found incredibly useful is having a financial goals tab in my wife and I’s shared budgeting tool (we use Google Sheets). This gives us the opportunity to share our budget in real time. The kicker here, much to your point, is that we have a Net Worth tab, a shared Student Loans tab, and a Financial Goals tab (amongst others). This helps us tackle many of your recommendations simultaneously. It gives a boost of motivation to see your net worth increase as you tackle your debt. I encourage everyone to follow much of what you have recommended. I have implemented much of this in my life and it has made quite a difference. Cheers to the new year!

    Stay motivated!
    TheMotivatedMD.com

    Reply
  4. Did number 8 last week, I should my new Hilton Amex card this week. They were offering a $100 statement credit and 75,000 points with a $1000 spend no fee card. Plus it’s Amex who doesn’t require me to unfreeze my credit report in order to apply for a new card since I’ve had one with them since 2012. The unfreezing my report is what is keeping me from working on the Chase Cards right now, it’s on my list to grab it at some point.

    Reply
  5. Thanks for the list!

    Would it be cool to reveal how much you/your blog makes from each of the links that people click through? It sounds like you really believe in all of these products, so I am hoping you will be comfortable sharing the $ also!

    Thanks and happy New Year!

    Reply
    • Believe it or not, Forrester, the blog doesn’t make a penny from clicks through to other sites. Some of the links are affiliate links / referral links, as mentioned, but generally it takes more than a click to generate what our affiliate partners call a conversion.

      The definition of a conversion and the resulting referral fees vary widely. Most prohibit making the numbers public, as it’s common for the companies to negotiate different rates with different publishers.

      Best,
      -PoF

      Reply
      • Oh, I didn’t know that you couldn’t reveal the numbers. That is interesting in itself!

        I run into the same thing with comped travel sometimes. As a lecturer on cruise ships, people want to know if I am getting paid, traveling for free, and if my spouse travels for free. It is an awkward question, because the companies negotiate differently with different institutions, so it could be any of those situations or something different! I have tried to dodge the question in the past, but I like your answer – it isn’t public.

        As always, thanks!

        Reply
  6. A helpful article would be one about how to complete the backdoor ROTH using Turbotax. Each year it seems like I struggle through answering the questions right before I finally get it right. My guess is that many readers use Turbotax and have the same frustration.

    Reply
  7. It always amazes me how people actually know their net worth. Everyone knows their salary but few people in the real world seem to know their net worth. Net worth is what counts. Salary is how you get there.
    Expense tracking is the only way to one day figure out if you can retire.
    Stay out of debt.
    Make personal finance a hobby.
    I have never had a written IPS but I do have one in my head.
    I hope to start doing my own taxes since they will be easier now.

    Reply
  8. Excellent rundown of everything you need to do to get back control of your finances. Luckily with the help of your blog and everyone else in the FI community, I’ve done nearly every one of these steps!

    The two I haven’t yet are the policy statement and legacy binder but both are on my mind. I will definitely be focusing on those for 2020. The other one I want to focus on is travel rewards and cash back bonuses.

    For example, I just learned about the Amex Blue Cash Preferred. It has awesome cash back on groceries, gas, and streaming services. I calculated it would have resulted in a cash back of $1400 for 2019 so I’m definitely looking at it for 2020. That’s in addition to another personal Chase and a new Business Chase card for us. We have a large trip planned for 2021 and I think starting now will be very beneficial!

    Plus I plan to make some larger home maintenance purchases in the coming year so getting those bonuses might be a plus there, or cash back.

    Thanks and keep it up for 2020!

    Reply

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