Grizzled churners who’ve been around the hobby for a long time have a well defined Krebs cycle-esque cycle:
- Newbie: “I can get $300 from this Disney card if I put all my bills on it for a few months”
- Beginner: “Look, ma, I bought a money order”
- Intermediate: “$20,000 minimum spend? I got that”
- Advanced: “I could probably turn this in to a full time gig”
- Chaos: “I ran nine figures through Big Bank #2 for 0.25% profit, and now my accounts and the plays are donezo, it’s time for a long break”
The best ones in the hobby get stuck somewhere between Advanced and Degenerate. The worst ones blow up a good thing for a lot of people and end up as beginners in a few years when the spoils are all consumed. At least they skip the newbie stage.
Whats the point of this discussion? Strive to be stuck between Advanced and Chaos – it’s ok to stop short of the birthplace of creation.
Have a nice day friends!

Degenerate manufactured spenders, but as road painters.