Disclaimer: I am not a financial or tax advisor. This is not financial or tax advice. This is for entertainment purposes only. Enjoy!

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Intro music can be found here!

• Kung Fewer & Kleed SO kleed tier! Welcome Brett, Mo & Bryan!
• David x2, Daniel, Zach, R x2 Andrew and more used my monzo referral, thanks!
• Hate TPG but seems to be exclusive: CapOne lounges to be VX exclusive starting 1/2025
• JCrew FMF Saga
  • Pre-sale post by me
  • Original deal thread
  • My purchases
  • Honey additional cash back experience, reached out to support and was credited
• Fidelity CMA debit instructions from BossChecker
  • Some users report inability to do ATM withdrawals with this setup
  • I have no available accounts to fund from (only have CMA, Bloom save and spend and 401k)
• [Lightning Deal/Expired] DoorDash $10 off $20+
  • Filter
• Quarterly 5% activations
• Uber Pricing information from Henry: they look at phone model for price changes
• Apple selling USB-C AirPods Pro case without earbuds for $99
• Lyft GCs
  • [Expired] Costco has $100 GCs for $80. Max two per customer, I picked up two https://www.costco.com/.product.1793344.html
  • Lyft is targeting some people with $25 off $75 GC purchase in app https://www.doctorofcredit.com/ymmv-lyft-app-purchase-75-giftcard-get-25-bonus-giftcard/
• DraftKings Venmo promo update (ep23)
  • Contacted support for Venmo, credit posted (support resolved very quickly)
• New blog post about CC rewards minimum redemptions
• Patreon shout-out removed?
• TAP Dispute (ep 17)
  • Responded stating charge was valid, ignoring double charge
  • BofA reopened dispute
  • Awarded me credit 
  • Timeline
    • 10/10/2023 filed dispute
    • 12/14/2023 dispute marked as closed
    • 12/14/2023 called to explain double charge
    • 12/18/2023 claim resolved in my favor
• Wealthfront SUB
• Incomm being sued over GCs
• Lyca PayPal claim – all three resolved in my favor (episode 16 & 23)
• CapitalOne SUB bait & switch lawsuit
• Service Credit Union SUB
  • My DP
• [Lightning Deals/Expired] TopCashBack Incentives
• WellsFargo converting some business cards
• Bilt changing tiers to rewards
• Small CD investigation: Genisys at 5.4% for 7m or 5.25% for 13m. Also seeing 5.25% for 12-24m at DCU (mega CDs), Blupeak has 5.25% 9m and 5.1%12m, 5.25% 12m at Ally
  • Rates will drop soon, advised my mom to pick up the Ally 18m one
• Great read: Kai of Daily Churn discusses “The Optimizers Curse”
  • Highlights
    • Will that time you won 25 stars playing the starbucks game flash before your eyes?
    • 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.
• NJ Restaurants being fined for overcharging interchange (ep 11)
• BofA card image change
• Prime Video starting 1/29 will have ads 
• Bilt Rent Day January 2024
• Discover savings SUB back