My2024 Credit Card and Financial Strategy for HUGE Rewards

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[treyk]

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

[chaddaniel]

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.

[ahnonamos]

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

[MrDubs]

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.

[eduardazayev]

That's a lot of restaurant spending.

[iTzDritte]

2:21 Can we hear more about this YouTuber building?

[aaront]

I prefer the money guys financial order of operations.

[juliegreb]

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

[vickiarnold]

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 ❤

[karolinefitz]

I also got umbrella insurance recently.

[shred]

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

[AmericanNorthernInsuranceAgenc]

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.

[Lancun]

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 😅

[charliedurham]

You don't have to pay quarterly taxes?

[nycste]

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

[guaparra]

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?

[javierbryon]

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.

[Ciborium]

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

[charliedurham]

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.

[carloshidalgo]

Is rocket money better than max rewards ??