In today’s episode, we’re chatting about
- How many personal and business credit cards I actively keep open
- Why my credit score stays above 800—even with frequent applications
- What I do with cards after the first year (your 4 options)
- The real (and shocking) number I pay in annual fees each year
- The always “annual spend” question debunked
- How I think about using points vs cash for flights and hotels
- The #1 item I will not travel without
- The biggest mistake I made when I started—and how it held us back for years
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