My 2022 Financial Plan - Credit Card Rewards & Investment Goals

As we enter 2022, my financial life has become much simpler and should be be very rewarding. My credit card strategy might be different than yours, but cash back is a great option for not only travel, but also the ultimate flexibility. My investing strategy isn't crazy, not ground breaking. It doesn't involve crypto, day trading, or options trading. But add it all up together and I believe I have a cohesive plan that puts me one step closer to financial independence.

00:00- start
00:28 - simplifying life
00:44 - my lifestyle
1:25 - credit card strategy
3:29 - redirecting rewards
4:29 - Investment strategy
5:32 - Investment plan & numbers
8:11 - Total investment amounts
8:36 - Kids accounts
9:15 - My 2022 thoughts

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The above references an opinion and is for information purposes only. It is not intended to be investment advice. Seek a duly licensed professional for investment advice.

[HurdyGurdyTravelPodcast]

Missing your videos :( Thanks for coming on my show for an earlier episode.

[JakeBroe]

You are crushing it man! I have no doubt you and your wife will hit that FIRE soon!

[michaelswami]

You, sir, are knocking it out of the park. Well done!

[abel.morelos]

Thanks for always being transparent, Dustin! I learned about being financially independent and FIRE this year. It was also my first year maxing out my retirement accounts. We got this!

[AMEXLife]

Absolutely critical information for consumers. Outstanding young man. Good luck to you and your family…

[musashi-san____]

I wish we had more Americans like you. You are a good family man. Respect.

[DeletedDenizen]

Been enjoying these come-back videos a lot! ❤️
Happy holidays!

[RebeccaPokora]

I'm also part of Team Boring! Great set of goals for the year - ours are similar and I'm starting to think about redirecting some of our rewards as well to make them work as investments. I have serious FOMO and haven't pulled the trigger yet but I imagine once we have our spring 2022 trip locked down, anything leftover will be cashed out.

[Comedy]

I’ve watched a few vids here and there but finally decided to subscribe after watching this. 👍

[ashjain]

What an amazing video. Such quality content! Too bad I am now just stumbling upon this.

[yankeesgiants]

That's a fantastic financial strategy, Dustin. Best of luck paying off that mortgage in 2022! Its going to be an amazing feeling once you are debt free.

Nothing wrong with being boring. My 401K, IRA, and brokerage is 95% index funds, with a select few individual stocks in the brokerage.

Also look forward to more amazing videos in 2022! Happy New Year to you and your family! ❤👨‍👩‍👦‍👦🎉🎊

[stevenwoo]

Great to see you back and have a happy new year!

[kevinonthank]

Hey Dustin! I was wondering if you have a financial plan video coming out for 2023? Hope all is well!

[nickdoyle-achievefinancial]

Great strategy and asset allocation! IMO, there is nothing "boring" about outperforming most investors and becoming rich over time. I prefer the global market weight for international (or closer to it), but 20% is reasonable :)

[MrKingKameleon]

Incredible dedication to your future. Your strategy is great. That FIRE is close for you!!! Take care and keep moving forward!

[michaelkeaton]

That USAA card is bonkers! I guess they don't have it anymore because I don't see it on their site. Oh well. I'm really happy to hear of your plans, and I wish you and your family great health and happiness in 2022 and beyond!

[martinasandoval]

Love the strategy man. Nothing boring about it.

[rene.s.s]

After some quick calculations your family and mine look very similar in size, income and travel styles. I’m currently saving as much as possible for a down payment but you’ve inspired me to raise my 401k beyond the match minimum and invest my yearly bonus into our taxable account on top of the yearly max I put into my ROTH and my wife puts into Traditional IRA. Cheers!

[dynamitmsk]

Excellent video Dustin. Opened an extra Fidelity account for a $100 bonus not too long ago, and designated it as the investment account for the kid. Wasn't sure how to go about putting money in it, but I like your $100/month idea. Will do that for 2022.

[chanhle]

Same goals for us in 2022 🤙
-max out Roth 401ks, Roth IRAs, keogh
-annual 529 contribution
-remainder of disposable cash put towards the mortgage to finish that off (then will divert all avail cash to nonretirement investments at that point)

Nice and boring plan- lol