{"id":10161,"date":"2024-09-06T04:00:00","date_gmt":"2024-09-06T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=10161"},"modified":"2024-09-05T18:19:56","modified_gmt":"2024-09-06T00:19:56","slug":"weekend-wisdom-dont-forget-simplicity","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2024\/09\/06\/weekend-wisdom-dont-forget-simplicity\/","title":{"rendered":"Weekend Wisdom: Don\u2019t Forget Simplicity"},"content":{"rendered":"\n<p>Sometimes the path a dollar takes through a loop during advanced manufactured spend is staggering; As a semi-real world hypothetical, a manufactured spender might loop money around with a recipe like:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Run a charge with credit card on a fintech (earn on spend, perhaps pay a load fee)<\/li>\n\n\n\n<li>Use a fintech virtual card to load another fintech (earn on spend, perhaps pay a load fee)<\/li>\n\n\n\n<li>ACH out of the second fintech into a bank with a rewards debit (no earn or fee)<\/li>\n\n\n\n<li>Pay the original credit card with your rewards debit (earn on spend, perhaps pay a payment fee)<\/li>\n<\/ol>\n\n\n\n<p>Most of those steps have an earn component, and most have a fee component too. Calculating your total earn is really just a matter of adding all the earn and subtracting all the fees, and the goal is that the entire loop earns a nice spread. <\/p>\n\n\n\n<p>Once you\u2019ve developed a money loop like this, it\u2019s easy to think of all spend fitting into the loop in someway. <\/p>\n\n\n\n<p>But, and here\u2019s the point of today\u2019s article:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Sometimes skipping the middle steps earns just as much as the loop you\u2019ve developed, or maybe earns slightly less but loops faster. Sometimes simplicity wins.<\/p>\n<\/blockquote>\n\n\n\n<p>Have a nice weekend!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"854\" height=\"640\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/09\/image-4.png\" alt=\"\" class=\"wp-image-10305\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/09\/image-4.png 854w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/09\/image-4-300x225.png 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/09\/image-4-768x576.png 768w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/09\/image-4-800x600.png 800w\" sizes=\"auto, (max-width: 854px) 100vw, 854px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">Simplicity can go too far, or sometimes not too far enough; which one is this churner&#8217;s house?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sometimes the path a dollar takes through a loop during advanced manufactured spend is staggering; As a semi-real world hypothetical, a manufactured spender might loop<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[56],"tags":[],"class_list":["post-10161","post","type-post","status-publish","format-standard","hentry","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=10161"}],"version-history":[{"count":5,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10161\/revisions"}],"predecessor-version":[{"id":10309,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10161\/revisions\/10309"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=10161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=10161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=10161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}