Search Results for: lubbock

EDITOR’S NOTE: The feedback I’ve gotten for guest post Saturday has been resoundingly positive. I’ve got a few posts left to publish, but I’m running low. If you’re interested in a guest post, please reach out!

  1. Chase is sending targeted offers on its personal Southwest cards for 3x points at gas, grocery, and dining through the end of 2024, and bonus points count for companion pass but not toward other status levels.

    What does Southwest have to do with gas, grocery, and dining you ask? Well, they’re probably the worlds biggest supplier of pretzel snack-mix bags, and the snack-mix bag cabal knows how to pull strings, trust me. (Thanks to Lava121)
  2. We’re not yet at the point that the Citi Shop Your Way Rewards card moves from Unsung Hero to just Hero, but we’re approaching it. In addition to holding a card with greater notoriety, holders also saw a new round of targeted offers for online spend through March 14:

    – 200,000 Shop Your Way Rewards points after $750 or more in spend (MS Ninja)
    – 250,000 Shop Your Way Rewards points after $1,000 or more in spend (Jacob)
    – $50 statement credit after $750 or more in spend (David 99)

    Yes, these offers stack with the 2024 monthly statement credits for grocery, gas, and dining provided of course that you spend in those categories online. What does Citi have to do with gas, grocery, and dining you ask? They’re a credit card issuer and they want to attract spend on their cards, duh.
  3. The Marriott Bonvoy Business card has a best offer sign-up bonus of five free night certificates for up to 50,000 points per night each after $8,000 spend in three months. [insert joke here about overpriced Marriott hotels in Lubbock]

    I’m not linking to anything on this one because I hope that you can find someone to give you a referral, so they’ll earn points on your successful application too. Using a referral is a great networking icebreaker in the miles and points community for those of you looking to expand your network. (Thanks to DoC)
  4. Having a stable of burner phones and phone numbers is eminently useful, and DDG highlights a great, low cost option for adding a new device to your portfolio: A Moto G Stylus 5G plus a month of service for $40. Make sure you activate the phone, and I’d suggest only leaving it active for the first month then moving to a cheaper service. It’ll unlock automatically in 180 days.

Have a nice weekend!

The leader of the the pretzel snack-bag mix cabal.

  1. Do this now: Register for Best Western’s promotion for a free night voucher after two nights stayed in the US, Canada, or the Carribean before May 5. The free night voucher is valid through August 25.

    If you haven’t stayed in a Best Western in a a while, you’re really not missing anything, but there’s still a good arbitrage opportunity here. A quick search of Best Westerns in Lubbock shows plenty of $45-$55 nights, and after two of those you’ll earn a certificate that could be used at $500+ a night Best Western Properties in a place where people actually want to visit. Pro-tip: you don’t actually have to sleep in the $45 / night hotel.
  2. Two airline portal shave a promotion for bonus miles after cumulative spend through February 12:

    – AA eShopping has 500 bonus miles after $200 or more in cumulative spend
    – United MileagePlus shopping has 500 bonus miles after $150 or more in cumulative spend

    In totally random news giftcards.com is back on AA eShopping and on MileagePlus Shopping, albeit at 1x as of this writing.
  3. There’s a new, relatively low bonus no-lifetime language (NLL) American Express Business Gold link with 70,000 Membership Rewards after $10,000 in spend.

    Normally this would still be worthwhile thanks to call-in offers for adding up to 99 employees, but those aren’t available on the Business Gold card while they’re updating systems with the increased annual fee. (Thanks to DoC)
  4. The Target RedCard debit card has a $50 sign-up bonus through May 4, which is enough time to churn this at least once. (Lately you’ve got to wait about eight weeks in-between closing and reopening one of these for auto-approval.)

    The double redemption, once online and once in-store, is now dead, but there continues to be no credit impact for churning the debit card.

In other random news, attorneys are still attorneys.

  1. The Chase United Business MileagePlus card has a heightened sign-up bonus of 100,000 MileagePlus miles after $5,000 spend in three months. The $99 annual-fee isn’t waived, and neither is the surly service that you’ll get onboard either.

    This probably isn’t the best option to hold on to after year one, but I do like holding at least one United card at a for expanded award availability (XN acccess).
  2. The Chase United Club Business card also has a heightened sign-up bonus of 75,000 MileagePlus Miles and 1,000 Premier Qualifying Points after $5,000 spend in three months. The $450 annual-fee isn’t waived, and the card also gets you access to unlimited crackers, cheese cubes, and Coors Light when visiting a United Club.

    I’d hold this card if I were regularly flying United out of an airport with a United Club for XN access and club access, but fortunately for all of us I’m not currently doing that; if I was you’d have suffer through me whining about United a lot more than you already do.
  3. Kroger.com has $10 off of $150 or more in physical Visa and Mastercard gift cards through January 31 with promo code NEWYEAR2024. A few notes:

    – The activation fee recently increased to $6.95 on the $100 cards
    – You’ll be earning 2x fuel points
    – You won’t earn a grocery category bonus
    – These are US Bank cards

    You’ll pay shipping too, but the cheapest option is ~ $0.50.
  4. Staples has fee free $200 Mastercard gift cards starting Sunday and running through the following Saturday, limit eight per transaction.

    These are Pathward gift cards, so have a liquidation plan in place, in-store limits are $480 every six minutes, unless you get lucky and your store cycles through merchant accounts.
  5. The Chase Marriott Boundless Visa card has a heightened sign-up bonus for five free night certificates for up to 50,000 points per night after $5,000 in spend in three months, and the $99 annual fee is not waived for the first year. The certificates expire one year after issue.

    Given Bonvoy’s hyper-inflated currency, 50,000 points may not get you a night at your favorite hotel, so double check that you won’t need to burn these in Lubbock because everything else is priced out of your range. No really, the Courtyard Lubbock is 39,000 points.
  6. Giant Food and Martin’s stores are running a 10x points promotion on Apple gift cards through February 1, limit $2,000 in spend per account. (Thanks to GCG)
  7. Some American Express accounts have a targeted upgrade from a Business Gold to a Business Platinum with 120,000 Membership Rewards after $10,000 spend in three months. To see if you’re targeted, look for a popup on the dashboard. (Thanks to joremero)

With hip styling like this, who wouldn’t want to burn 39,000 Bonvoy points at the Courtyard Lubbock?

  1. There are a few shopping portal bonuses for the new year, but only some airline portals have recovered from their drunken New Year’s stupor:

    – AA: 1,000 bonus miles after $400 in cumulative spend through January 17
    – United: 1,000 bonus miles after $300 in cumulative spend through January 17

    I’ll be knocking both of these out with giftcards.com. If you’re doing the same, double check in 15 days that the orders have tracked and open a case if not. The AA portal in particular has had widespread tracking issues since December with giftcards.com.
  2. American Express has a business checking account sign-up bonus for 50,000 Membership Rewards running through March 31. Bonus requirements:

    – $5,000 deposit in 30 days
    – $5,000 average balance after depositing for 60 days
    – 5 transactions within 60 days

    These are limit one per business and one per login, so to scale you may need more of each. The account earns a 1.30% interest rate, so you’re losing approximately 370 basis points, or $36, as compared to a high yield savings account over two months.
  3. Breeze Airways has a promotion for 35% off of roundtrip fares with promo code GETFRESH booked by Friday for travel from January 15 to May 22.

    If you want a Breeze Airways line in your travel log, what better reason could there be to fly from Provo, Utah to San Bernardino, CA? That’s right, none.
  4. Chase Offers and BankAmeriDeals have 10% back on Hyatt Place properties on between $100 and $400 in spend through March 3. The catch? Hyatt Place. Notably for reader Dean who is overnighting in Lubbock later this week, Hyatt Place Lubbock isn’t excluded.

    Gaming one of these offers won’t exclude the other. The most above board way to game is to pick up a gift card at the Hyatt Place front desk for resale or future use, but make sure to call and check that they’re sold at the property before you make a trip. (Thanks to DoC)
  5. American Express Offers has offers for both Marriott and Hyatt:

    – $250 statement credit with $1,000 in spend at Marriott Homes & Villas through April 15
    – $100 statement credit with $500 in spend at Hyatt Canadian properties through April 30

    Gaming with gift cards? Ibid. Gaming in other ways? Possible. (Thanks to Jen T and GetFreeCash)

November’s Hyatt Place Lubbock fires may have scorched their gift card supply, so call ahead!

Since we missed major news items over the last two and a half weeks, it’s time to play ketchup catchup:

  1. Do this now: Register for 5x bonus categories for rotating bonus category cards:

    – Chase Freedom and Freedom Flex: 5x at groceries, gyms, and spas, $1,500 max per quarter
    – Discover IT: 5x at restaurants and drug stores, $1,500 max per quarter
    – Citi Dividend: 5x at Amazon and streaming, $6,000 max per year
    – US Bank Cash+: I choose utilities and electronics retailers, $1,500 max per quarter

    The Cash+ currently has a measly $200 sign-up bonus, the Freedom is only available via product change, the Freedom Flex has a $200 sign-up bonus and 5x at grocery on up to $12,000 in spend, and the Dividend isn’t generally available any more.

    Gaming most of these should be easy with gift card purchases at grocery stores, CVS, and Amazon. For the Cash+, look in to how your local utilities deal with card payments, especially when the payment doesn’t match the bill.
  2. The Citi Shop Your Way Rewards card, which incidentally hasn’t been mentioned on this blog in the entirety of 2024, has a few new targeted offers that stack with other spend offers:

    – 15,000 ThankYou Points per month on $1,500+ in spend at grocery, gas, or restaurant
    – $150 statement credit per month on $1,500+ in spend at grocery, gas, or restaurant

    The Citi SYWR card isn’t just interesting for spend bonuses, especially in the face unregulated debit cards. (Thanks to Brooke)
  3. Staples has fee-free $200 Mastercard gift cards through Saturday, limit eight per transaction. I’d say Staples is trying to make 2024 look like 2023 with this sale, except technically the promotion started in 2023 so I’m legally prevented from saying so by the Staples and Uber Eats cabal. The cabal also prevents buying these cards via Uber Eats as far as I can tell.

    These are Metabank Pathward gift cards, so have a liquidation plan in place.
  4. American Express Offers has a few interesting new promotions:

    – $125 back on $600 or more in spend with Delta
    – 25,000 Membership Rewards after $1,000 or more in spend with ANA
    – 15% to 20% back on up to $100 in spend at Martin and Giant grocery stores
  5. Do this now: Register for a 10% bonus from Cathay Pacific’s Asia Miles, paid when transferring points in from credit card programs.
  6. PayUSATax has lowered the cost of tax payments with a credit card to 1.82%. Games people play:

    – Lower W-2 federal tax withholdings and make up for it with quarterly estimated tax payments
    – Overpay taxes with a credit card and wait for a refund

    Don’t attempt either unless you’ve got the discipline to ride it out if you run into any issues, like the IRS delaying refunds for months or years. Remember what the 33rd president of the United States and former head of the IRS, Spiderman, said: with great power comes great responsibility. (Thanks to GodLovesFrags)

When Texas cities play ketchup, Lubbock misses the point.

EDITOR’S NOTE: I’m on an annual blogging vacation for the last two weeks of the year. To make sure you still have content, some of the smartest members of the community have stepped up with guest posts in my absence. Special thanks to today’s author, the consummate churner TeddyH, for writing this post while I’m on vacation. I’ll see you on January 1!

2024 is rapidly approaching, and while that may be disappointing news for some of you who have been getting fat from all the Q4 offers, for many of you it may mean some good news: a new Player may be turning 18.

Of course, it’s not all sunshine and rainbows: churning while new to credit is like trying to take public transit in Lubbock, TX (aptly called the Citibus!) 

I moved to the U.S. when I was 12 with no other family members, so when I turned 18, I had to start my credit from scratch. When I first got my SSN, I was declined for even the most basic credit cards. But while I was trying to figure out what cards I could get approved for, I ended up discovering churning. With the right moves, even I was eligible for high sign-up bonus (SUB) offers from elite credit cards after just a couple of months of credit history.

In this post, I will try to break down a guide to churn while new to credit based on my personal datapoints (DPs) as an immigrant as well as my other players.

1. First Day: Preparations

While it is possible to get into this game without a Social Security number, your options will be VERY limited. If you cannot get an SSN, try for an ITIN, which can be obtained by gambling.

2. First Month: Your First Card

While many people believe that the Chase Freedom Rise or the Discover It are great first cards to begin with, I invite you to think bigger: the personal Amex charge cards. Here are some almost concerning DPs:

  • P1 getting approved for an Amex Personal Gold with 2 months of credit history – no FICO score!
  • P2 getting approved for an Amex Personal Platinum WITHOUT a Social Security Number – will talk more about this later
  • P3 getting approved for an Amex Personal Gold on a 3-day-old SSN with nothing but an Amex AU

At this point, I don’t even think Amex bothers checking for a pulse when approving credit lines for their charge card products. Amex will, however, expect to see a valid credit report when they perform a hard pull, so your new player must have something on their credit file. An Authorized User card, especially an Amex AU, is a great solution without sacrificing their 5/24 slot.

If you are first-generation and don’t have someone who can add you as an AU, go for the Discover It rather than the Freedom Rise. My rationale as to why:

  • 10% rotating categories up to $1,500 and a $100 SUB is better than even the most 7-ft-man-with-an-affiliate-link-inflated valuation of Ultimate Reward points 
  • Your oldest account remains safe even in the case of a Chase shutdown as your Discover is likely to have less than $500 in shenanigans per month
  • You can request a credit line increase every single day, online, with no harm. This will help with later Chase apps as banks like to beat other banks’ credit lines.

If you start with a Discover, wait until your second statement cuts before trying Amex to ensure Discover posts to your credit report. Then move to step 3/4.

3. 3 Months In: Patience is Key

By now you’ve probably finished your Amex Gold SUB and your hands might be itchy for some more apps. But there is a crucial Amex velocity limit you should be aware of when you are new to credit: 1 card before 6 months of credit history.

AmEx will grant you one credit line before you have a FICO score, but won’t approve you for any more without proof of income until you actually receive a FICO score (6 months of history).

This 4506-C form to prove your income through your tax returns is a huge PITA and you probably don’t have good enough income to show them if you are new to credit (as you’ll need a tax return to show for it) so I would wait until you are 7 months in for your second AmEx.

4. 4-6 Months In: Stepping into Chase Territory

Many points-and-miles bloggers point out how conservative Chase is at approving cards to those with a thinner credit file. While this is true, there is one simple trick that the Chinese churning community found that breezes past the Chase applications. Before I tell you though, I need to wait for SideshowBob233 to walk into the rake I placed.

Okay, now that he is unconscious for a bit, let me quickly tell you the simple trick: open a Chase deposit account and deposit $10,000 to $30,000 into it. It only takes 2-3 business days for the credit card side of their systems to catch on to the fact that you have a large deposit account, which in turn allows you to breeze through the application process. DPs are showing that your initial credit line on the Freedom products will usually be under $3k, so I wouldn’t try for a Sapphire here. I personally put $30k in an account and got a $3k line for the Chase Freedom Unlimited with 5 months of credit history (still without FICO!). If I were to do it all over again I would have waited a month and jumped to the Chase Sapphire Preferred, as 6 months of history will give you a FICO score.

You can withdraw the funds immediately after card approval, and close the account shortly after, or within 12 months if you also hit the bank bonus with it. Whatever you do, listen to Sideshow and don’t pull shenanigans while you have a deposit account with them. I have just been maxing out my credit line at CVS without cycling, and then paying it down quickly.

5. 8-9 Months: “I’m not a businessman, I’m a business, man”

By now you should have a FICO score and be past the Amex pre-FICO velocity limit. From here you can start applying for AmEx business cards. If they ask for income verification or deny you, don’t worry, just apply again next week. While you may think that this non-stop application and denial may seem concerning to AmEx, people who cancel applications because of Pop Up Jail do the same thing so they are used to this. Eventually, you will see an approval, either instant or through a simple identity verification. In my case, they wanted my social security card and they approved me even though my card said “valid with work authorization only,” in typical Amex fashion. 

Tip: If you are having trouble getting approved for the business cards, try applying for the Biz Checking (and get the SUB!). That helps the Amex Biz applications sail through as well. 

After approval, you can immediately get started on the employee offers. You’ll need those to keep you occupied since you’ll still be quite limited on card approvals until you are 12+ months in.

12 Months+: Fourteen Million, Six Hundred and Five Possibilities 

Okay, maybe Dr. Strange was exaggerating when he said that, especially if you’re planning to stay under 5/24. If you still kept your Chase account, there are DPs of Chase Sapphire Reserve approvals with a 12-month history, as well as various data points for INKs and cards from other issuers as well. If you are curious about your chances, check out the myFICO forums for various approval DPs and even better, the US Credit Card Forum in Chinese, as many there start with a fresh credit file. I like to Google Search the card name along with “uscardforum” and translate the results. Know that at the end of the day, you can just eat the hard pull and your confidence will pay off with a thick and stable credit file in years to come.

So there you have it. A one-year, five-step guide for a new player to the game. Good luck!

– TeddyH

I guess Kanye and Jay-Z also have to call the reconsideration line sometimes to explain their Sole-proprietorship.

EDITOR’S NOTE: I’m on an annual blogging vacation for the last two weeks of the year. To make sure you still have content, some of the smartest members of the community have stepped up with guest posts in my absence. Special thanks to today’s author, a churning-FIRE sage and podcaster extraordinaire, Kai from The Daily Churn Podcast, for writing this post while I’m on vacation. I’ll see you on January 1!

As the new year approaches and things slow down for the holidays, I’ve been reflecting a bit on the blessing and curse of being an optimizer. I think many of us, particularly churners, love to optimize. We optimize our travel, our miles earned, our points burned, for first class flights, five star hotels, and cashback at almost zero cost. What’s not to love?

Society also loves optimizers. Improve efficiency, get promoted. Launch a startup, get rich. Work smarter. Hustle harder. Eat healthier, live longer. Hack your workout, your morning routine, your relationship, your life.

Nothing builds a habit faster than an activity that produces tangible results. Encounter problem. Find optimal solution. Release dopamine. Rinse, repeat.

Do anything a thousand times, and it’s no longer an activity you do. It’s a part of who you are. There are worse things to be than being an optimizer. In fact, family and friends probably love your optimizing. You help them optimize their vacations, their finances, their diet. It feels good to help others.

Your partner, roommate, or cat might be the only one who sees the other side of the coin.

They see you spend three hours researching the best pillow for stomach sleepers, cross-referencing amazon reviews with Wirecutter recommendations, checking slickdeals and camelcamelcamel for historical lowest prices, cashbackmonitor for the highest portal rates, cardpointers for active credit card offers, retailmenot for coupon codes.

They see you spend days on the phone chatting with customer service to figure out the ins and outs of their award booking system, so you can secure first class tickets for you and your friends.

They see you spend weeks working on a bot to automate thousands of micro-transactions to take advantage of interchange arbitrage opportunities on a few niche fintech platforms (only to see it die before you could really scale it up, sadface).

They also see that year by year, despite everything in your life becoming more optimal, you still spend just as much (often more) time optimizing.

That is the optimizer’s curse.

There are an infinite number of things to optimize. There is no end. After all, stopping short of optimizing everything would be, well, sub-optimal.

Optimizers trend towards maximization. I mean, what kind of wildebeest would you have to be to quit halfway, to buy a pillow before reading the negative reviews, to manually perform a thousand micro-transactions, to leave award availability to pure chance?

But more and more, I see the value in satisficing. The idea of being satisfied with good enough. The middle ground between doing nothing and optimizing everything.

If you’ve ever had to suffer through corporate indoctrination (or took biology), there’s a principle you may be familiar with. It’s the Pareto Principle – 20% of the work often yields 80% of the results. Viewed another way – you spend 80% of your time squeezing out the last 20% of the juice.

My inner optimizer hates this rule. But there is no denying its truth. If I had just blindly bought the best pillow recommended by Wirecutter, it would have taken me ten minutes tops. I would have been perfectly satisfied. I would have saved myself almost three hours of research.

But in the moment, it felt good to maximally optimize all the way to 100. Optimizing puts me in flow state. Time slips away. One minute it’s morning and I’m at my desk sipping green tea. I blink and it’s the afternoon. I have four different browsers open, I’m thirty tabs deep into a reddit rabbithole, and I’m VPNing into Dallas for some reason.

And therein lies the true cost of being an optimizer. Lost time. Time you could have spent with family. With friends. Time you could have spent on your hobbies. On picking up a new hobby. Time spent hanging with your partner, your kids, your pets. Maybe time you could have spent finding a P2.

I’m the best at ignoring this cost. There’s so many ways to justify it. This is saving me money. This is making me money. We’re going on an amazing vacation. My partner loves nice hotels. I love flying first class. I’m helping a friend. I’m helping my parents. I don’t mind doing it. This is a buy-it-for-life [insert item].

Some days, my phone blows up not from texts or calls. But from reminders I set myself days, weeks, months, sometimes even years ago. Reminders for things I need to do to stay on top of my optimizations. Cards I need to cancel, offers I need to redeem, money I need to transfer, calls I need to make, deliveries I need to skip, subscriptions I need to pause, refunds I need to follow-up on, bonus deadlines I need to stay on top of, new opportunities I need to try.

Opening my Google Keep can feel like entering a warzone… duck, swipe, ignore, defer, reschedule for next week. Phew, made it out in one piece.

We optimize to improve our tomorrows, often at the cost of todays. How many vacations have you sat in your hot tub on the balcony of your top-floor oceanview suite, waves lapping at the beautiful beach below, laptop perched precariously on your knees to avoid water from the damn hot tub and glare from the damn sun, as you “quickly” check your email, scroll your blogs, post a pic of your suite to your group chat, while the latest episode of Huberman plays in the background?

Oh you’ve never done that? Cool cool, me neither.

There is always a tomorrow to optimize for. Until one day, there isn’t. You’ll lay on your deathbed, and if you’re lucky, be coherent enough to reflect on your life. Will that time you won 25 stars playing the starbucks game flash before your eyes? Or that free award flight to Lubbock? How about those pillows?

What will flash before your eyes? Maybe we could spend more time doing that.

So this holiday season, I’m advocating for being a little less optimal. To put in 20% of the effort for 80% of the results. To let go of opportunities that aren’t worth your time. To maximize less. To do less. To free yourself from your reminders, your calendar, your self-imposed mind palace of deadlines and commitments. To break the optimizer’s curse through satisficication. Satisfition. Satisfiction? Whatever, good enough.

– Kai from The Daily Churn

This dog is, uh, satisficed with the pillow.

EDITOR’S NOTE: I’m on an annual blogging vacation for the last two weeks of the year. To make sure you still have content, some of the smartest members of the community have stepped up with guest posts in my absence. Special thanks to today’s author, my original churning buddy and longest friend in hobby, Tyler, for writing this post while I’m on vacation. I’ll see you on January 1!

I’m not interesting. At least I don’t think. It wasn’t until Matt (MEAB) encouraged me to do a guest post that I realized I may be slightly more interesting than a layover in Lubbock. I asked “why me?” and he responded “you have a unique and interesting view on the world”. Coming from him, that is an amazing compliment. Although, Matt encourages us to read between the lines so perhaps that’s not a compliment. So I’ll share what I’ve learned this year. Just consider today’s blog post like going to a restaurant to get a Coke, yet they bring you an RC Cola. Just hang your head in shame and take it.

I took algebra twice, so I’m pretty good at math and I’ve calculated I pulled in over six figures from various MS activities this year (eight figures if I count the two numbers after the decimal point). It’s happened with effort, luck, stupidity, diligence, and tips from others.

I scaled hard this year. Matt told us “if you’re not getting shut down, you’re not pushing hard enough”. I learned this the fun way in a shutdown by a local credit union. I first was a bit frustrated, and even scared as I was grilled by the fraud team while they froze thousands of dollars. The financial proctology exam included every question except my blood type and my favorite karaoke song (that award goes to Gangsta’s Paradise – RIP Coolio). The CU shutdown turned out to be great, as it forced me to look at every CU in my state where I opened as many accounts as I could. I discovered one that allowed cc funding for new accounts/CDs. There are 5,000 credit unions in the US. Frankly, if you haven’t found one that allows CC funding on your own, you aren’t looking hard enough. And it’s not just credit unions. There are even banks that pay you to wire money in.

I better defined my goals, primarily shifting from points/status/miles to max profit. I travel less now, and I previously found myself racking up points and status for airlines I didn’t use. This year I sold a lot of points/status/gift cards on various markets and while it may not have a high cpp value had I used them myself, the mental aspect of having profit vs points was well worth it.

Diversification has been a core part of my investing strategy. This has been a catalyst for turning my miles earn and burn practice into profit earn and burn.  I had a goal to find one profitable activity from each of the MEAB slack channels, I read all channels from cradle to grave where I have been able to find a profitable activity in more than half – the others are there I just haven’t had time to get to them yet. If I just did one from each channel, that is 30+ different opportunities. And each channel as we know has multiple opportunities, even dozens.  Diversification is critical to not just churning, but to your own financial well-being. You need a job, stocks, retirement accounts, multiple small businesses, real estate, etc. For me, churning has turned into a similar thing – although I need to find a balance of being a jack of all trades, master of none and specializing in one thing. Having stocks, retirement accounts, businesses, real estate, multiple players has opened a ton of doors for activities to legitimize my practices.

This year I’ve probed and challenged conventional wisdom at retailers and discovered a few nuisances in my territory that paid off well. I even showed MEAB once how to get free Dominos. He tried it but was not impressed – apparently he has ‘standards’ when it comes to food… What a snob. I discovered even in my Kroger footprint there are different limits based on the technology of the registers in the same store. I’ve found this out with other chains and retailers too. Coupon codes maybe don’t have limits, or discovering you can create plenty of other accounts to score a deal, or promos that apply to things beyond the T&C. The sky can be the limit with some of these – but I gotta put in the time to try them.

As I go into next year and think about ‘what’s next’, I’ve learned spending is easy, liquidation is hard. Liquidation is my main struggle from payment processors, overzealous clerks, account freezes, and more. I’m frequently looking for liquidation channels to help scale so I plan to really invest in this area. I’ve been lucky to be able to float a bunch, though this is an area I need to invest more in. I think I’m going to adopt “WWMD” (What Would Matt Do) into my practice, though that might result in a more upscale taste to my liking. I’ll be selective when I apply this new way of thinking.

– Tyler

Matt MEAB reacting to his free pizza.