Aho Brothers! Venmo is offering a great offer for 3 months. (See link at bottom of message) I plan to make at least $250 off of this. That’s a nice St. Louis vacation with Samuel. I use my cc to buy most monthly expenses to get the rewards. My cc costs me $100 per year, but it pays me $500+ per year. Rules for cc hacking: 1. TRACK/BUDGET your expenses. I’ve tried a lot of systems/apps. I now use Quicken Simplifi, and LOVE it. 2. Know how much you spend per category 3. Search around for best offer for your spending habits. 4. Only use it to buy what you can afford, only! You buy somethings every month. Housing, car and food are usual suspects. 5. Pay full statement every month 6. Use rewards as you like, but I always use it to reduce statement balance. Yes, it’s “free” money, but I don’t necessarily see it as “extra, reward myself” money. But you do you! I’m passionate about personal finance. If you want to work together on yours, just holler. I’m always down to help. I don’t charge my people, unless they get rich or want more intense service. Love you guys! Stay wealthy, stay humble, do good work! Patrick 317-361-8800 https://help.venmo.com/cs/terms/VMC133?abExternalOpen=true