What’s In My Wallet - Spring 2024 ($3,000+ Bonus)
ฝัง
- เผยแพร่เมื่อ 15 มิ.ย. 2024
- 👕 Cuts Clothing (Use code “DANIELBRAUN” to save 20%): danielbraun.me/Cuts
In this video, we’re talking about what’s in my wallet and what credit cards I’m using for the Spring of 2024. Each credit card in this video is going to serve a specific purpose in my overall credit card strategy. What’s in my wallet is always changing, so hopefully this update gives you a better look into the credit cards that I’m using the most everyday right now!
LINKS:
💳 Learn More About The Amex Business Platinum: danielbraun.me/AmexBusinessPl...
💳 Learn More About The Chase Freedom Flex: danielbraun.me/FreedomFlex
💳 Learn More About The Chase Freedom Unlimited (*Different Offer): danielbraun.me/Freedom-Unlimited
💳 Learn More About The Bilt Mastercard. Use the card 5 times each statement period to earn points: danielbraun.me/Bilt
*Bilt Terms: danielbraun.me/BiltTerms
ADDITIONAL LINKS:
💳 My Top Credit Cards: danielbraun.me/TopCreditCards
🏦 SoFi Checking & Savings ($300 Bonus): danielbraun.me/SoFi
🛒 Get a $30 Bonus With Rakuten: danielbraun.me/Rakuten
📈 Up To 15 Free Stocks With Moomoo: danielbraun.me/moomoo
📱 Follow Me On Instagram: / _danbraun
CHAPTERS:
0:00 - Intro
0:15 - Card 1
4:02 - Card 2
06:19 - Cuts Clothing
7:32 - Card 3
8:39 - Cards 4 & 5
9:12 - Card 6
9:37 - Card 7
CHECK OUT SOME OF MY OTHER VIDEOS:
▶️ Budgeting For Beginners | How I Save 80% of My Income: • Budgeting For Beginner...
▶️ I Ranked Every Credit Card (Here’s What’s ACTUALLY Good): • I Ranked Every Credit ...
▶️ You’re (Probably) Killing Your Credit Score: • You’re (Probably) Kill...
▶️ The Only 5 Credit Cards You Need in 2024: • The Only 5 Credit Card...
DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
![ทัศนศึกษาโรงงานผลิตโค้ก [THAI/ENG SUB]](http://i.ytimg.com/vi/M9y-TJBNem0/mqdefault.jpg)
As someone who is also getting married soon, my finacée and I have been combining our finances too as we move closer to our wedding date! Would definitely love to see how you and Jackie are going about it! Nice new TH-cam setup Daniel!
Love to hear that Stan! Yeah it's such a complicated topic that varies from couple to couple so I definitely have some idea for how I can make some content about it. Thanks about the new studio as well! Been a fan of the quality of your setup for a while now of course
Wow congrats Stan! That’s a big step in life. All the best brother!
congrats both stan and Daniel me and my wife got married in march of 2023 and we combined our finances. it definitely makes things easier and would be interested in seeing some videos about couples finances. I feel your pain Daniel I am also 6ft 4.
YNAB has definitely helped with that!
Whoa Daniel leveling up!! Getting married, new apartment, new studio AND cuts partnership - been watching you since the beginning! Loved the video, really helpful for planning out my next quarter as well and would love to see more videos on budgeting for couples as Jackie is comfortable and some tips on paying for the wedding / honeymoon and maximizing your points.
Haha thank you so much for that Claudia! And yeah I definitely wanna make some more content about what Jackie and I do with finances and ever wedding/honeymoon stuff with points
Got the Chase Freedom Flex inspired by this video - called the branch and they'd the additional 5% offer until end of March. Your videos have been instrumental in building a responsible credit card journey! Thank you so much for your work and congratulations!
Congratulations to you and Jackie!!🎉Love the new studio setup!
Thank you so much Irene! 👍
New setup, Cuts collab, and the wedding coming up. Daniel absolutely cooked in this video.
Haha thanks Doug! Really happy to share all of this with everyone here on the channel
So happy for you getting that Cuts deal!👏🏾
Thanks Mauricio! Yeah I was very excited to work with them because I truly use their products all the time. I probably have 20+ shirts from them at this point haha
set up is clean! accent lighting and plants are a plus
Thanks! Yeah I really love some of those things that I was able to find for the background
Studio is DOPE DB! Keep Bring Us Value My Guy And Thanks For All The Helpful Content! Thanks Man And Congrats To You And Your Bride As Well!!
Great setup! congrats on the success! looking forward to the next video
Thanks so much Christopher, appreciate it man! Can't wait for the next video - gonna be a good one
Love the new space! I’ve learned so much from your videos and always use your links as a way to say thanks!
Thank you so much Anton, that truly means the world to me! I'm always trying to provide value, so those links really have helped me to upgrade my video quality - especially with this new studio. Thanks again 👍
That’s it. I’m getting a new camera, haha! I love the new setup, D. Keep up the great work! 🔥🚀
Congrats on the upcoming wedding! The new studio looks 🔥🔥too!
Hey Daniel nice set up! Great video!
awesome video brian, and congratulations to you and jackie!!!!!!!
Love the new setup
Love the new setup Dan!
Thanks so much Ron!
I love your videos! Great job! It has really helped me this month trying to navigate credit cards and increasing my overall financial knowledge.
Studio looks awesome man! Keep up the good work!
Thanks Jake, appreciate it man!
Love the new setup, looking clean! Totally makes sense to take advantage of the high spend requirement on the Biz Plat when you had increased spending to upgrade your whole setup. The Freedom Flex is super valuable this upcoming quarter with high spend categories as well. Love to see that Cuts sponsorship come through haha, I know you've been hoping for that for awhile. Congratulations again on your move and upcoming wedding!
Thanks so much Matt! Yeah I'm super happy that I was able to take advantage of that Business Platinum offer, and the Freedom Flex is gonna be amazing this next quarter. Haha yeah the Cuts deal was one that made a ton of sense for the channel since it's all that I wear anyway 😂 Thanks Matt, appreciate it!
Love the new setup Daniel! Great cards and setup! Thanks for the info!👍
Thanks Cesar! Much appreciated, glad you liked it!
New setup looks incredible Daniel, and big congrats to you and Jackie on the upcoming wedding!
Thanks Monty! Really appreciate it!
New setup is looking nice! And congrats to you and Jackie on the wedding! 🎉
Thanks for all of that, Shaun!
would love to see a video on how you stay organized to pay everything accordingly
❤❤❤ Love the new setup, D.
Congratulations to you and Jackie on your upcoming wedding and your new studio! I love it when good things happen to good people.
Hey Bob, thank you so much for that! I really love this new studio - and I love Jackie even more obviously 😂. Support from comments like this make my job so much fun, so thanks for always stopping by to watch and comment!
Thank you for the videos Daniel!! They have helped me so much. So straightforward, thank u
Thanks for saying that Robyn! That's my goal here, it's great to hear that the videos are straightforward because that's what I want from them 👍
Nice new studio! It inspires me to have a nicer desk for my WFH set up! And congrats on your upcoming wedding!
Congrats on your upcoming wedding! Great job on the new studio and Cuts promo. Quick question. If I have both the CSP and Freedom cards. Which would you recommend to product change to the Flex?
👌everything is better with your new studio set up! Including the editing! Nice!
Thanks so much Chris! Haha yeah honestly my editor has been doing way better work that far exceeded my previously setup's quality - so I'm really happy to finally have those 2 things on a similar level
Great effects in this video!
Thank you! I'll definitely pass that along to the editor!
Glad to see you investing in the business. Well deserved!
Thank you! That's that fun part of this and I've wanted to upgrade the studio setup for a while - the move definitely helped with that
Nice video. I like the new setup too. The edits are super clean. I just got approved for the BILT card. Can't wait to see the benefits of it. Congratulations on the upcoming wedding also!!🥳🥳
Thanks so much for all of that, Anthony! I really appreciate it 👍
finances for couple is gonna be super helpful for many. please do it!
Awesome, I will definitely make a video about that then!
great video! congrats on the upcoming wedding !
That setup is cleannnnnnnnnn
Thanks Pierce appreciate it man! I really love how it turned out
Congratulations 🎉🎉🎉
Thank you for that!
I've been wondering how long it'd take Cuts to sponsor your videos haha! Huge Congrats to all the exciting things happening in your life!
I love the new set Daniel! Congratulations! I also want to thank you for putting it out there that 1.5 cpp is a good value with little effort! This is never really talked about. Wishing you the best!
Thanks so much Joe! 100% agree with you, I'll take 1.54 cents per point to have as an option with little effort 👍
@@Daniel_Braun Thank you for responding Daniel! I wish you all of the best!
Love the aesthetic of the new studio Daniel. You nailed it!
I like the setup with the Schwab debit card. It’s a smart play for atm access since they cover atm fees. That’s really useful if you need to withdraw cash, especially abroad. I’ve been meaning to open that account and this is a good reminder!
Thanks so much Ethan! Always good to upgrade stuff just like you did with your setup! And yeah that debit card has been nice to have for cash when I need it - definitely recommend it
hey Daniel your videos are so helpful and inspiring especially for a 18 yr like me, I just got my AmEx gold card and excited to use points and leverage signup bonuses for travel like you've taught.. keep up this good work man!
That's so awesome to hear! Congrats on the Gold card, that's gonna be super valuable along with any other cards you add to your setup moving forward! Appreciate the support 👍
What a clean setup, audio and camera looking crispy! The Amex Business Plat with the 1.54 cpp is such a strong use case for those with a ton of points, lots of spend, or where the time spent to find better redemptions makes it not worth it. The Bilt Card.. might finally pull the trigger soon! Either that or if I can get off the waitlist on the Robinhood Gold. Also congrats again to you and Jackie!
Thanks Kevin! Appreciate it! Yeah I'm happy that I was actually able to find a reason to get the Amex Business Platinum because otherwise it was a card that was out of reach with it's high minimum spend. Both Bilt card and Robinhood gold would be great adds
And thanks for that about the wedding!
Congrats to you and Jackie. I was waiting for you to show your actual (physical) wallet lol
Love the new studio man! Looking sharp 🫡
Thanks for the video Dan. The Freedom Flex is a great deal for Q2.
Thanks so much Scott! Yeah that card is gonna be so great in Q2
Congratulations on the upcoming wedding! I would like to see a video / more videos on combing finances and two player credit card strategies.
Thanks John! And awesome, I'll definitely make some more videos on topics like that 👍
100% would want to see a video on combining finances 🙌🏼
I currently am working toward a slightly different set up on my cards for the remainder of the year. I am currently carrying a Chase Freedom Unlimited, Prime Visa, a Quicksilver from C1 (soon to be replaced with a Sapphire Preferred), my Credit Union card (which I will also potentially be putting on a back burner for a Freedom Flex after a couple inquires fall off later this year). Great video as always! I am also interested in hearing your thoughts on combined finances as me and my fiancé are also in a similar boat as you and Jackie!
Would love to see more videos on finances for couples! Appreciate you bro!
Great video
Appreciate it!! 🔥
A Finances for couples video would he great!
Great job on the Cuts partnership :)
Would love a video / tutorial about combining finances with significant other!
Chase Freedom Flex categories are one of the better ones in a long time--I know you're a longtime advocate for the card and Q2 2024 is a good quarter to use the CFF!
Love the video ❤🎉
Thank you!
@@Daniel_Braun you're welcome!!
I would love to see your timeline of your credit cards. I know you’ve done videos going over all of them already but I’d love to see you go through and to your best ability give the dates you opened all your accounts! I’ve opened 2 cards in 2024 (BILT and Savor One) and I feel like opening more, but I do not want to hurt my credit. If I had an outline to follow I think that would be pretty nice. Also, I know you’ve broken down your spreadsheet as far as where all your money goes, but I’d love a more detailed video specifically talking about what to do with your spare money every month. Your HSA’s, CD’s, HYS’s, investments, etc., I’m 22 and am not trying to go as hard in the card game as you do, but I love using you for guidance
I can definitely make more content about all of that! Yeah I think a video with my exact timeline of getting cards could be useful as an example of what worked for me, but there's no single perfect timeline either. I also want to make a video about everything I do with every dollar that I earn each month and what accounts those go in, so stay tuned
Whoa wait what!? I didn't know chase will stack the restaurant points this quarter! I just figured they'd replace the 3 with the 5. Well thats awesome! Good thing i got a May trip planned
I’ve never been this early lol
Thanks for stopping by for the early view on this one! Appreciate it 🙌
Same 💀
Daniel I have the sapphire preferred but hardly use it, do you recommend downgrading to a freedom flex and do I still get the promotion ??
I have a Chase Freedom also
Its great to plan a new card with high spend for SUB with personal or business plans. I had several large spends: tires/car maintenance fridge for the big papa's man cave, and lawn equip for the new crib. Will meet the $8K spend in for plat within the first month.
Agreed! Any time that I know I've got a lot of spending coming up that I have to do anyway, then I try to get a new credit card SUB to get something valuable back in return from all that spending 👍
Hi Daniel. New subscriber and love the content. Will you be doing a video on the new Robinhood credit card? If not, any general thoughts?
Hey thanks for subscribing! So I’m really interested in that new Robinhood card and how it fits into the overall credit card world. Normally my videos have a longer turnaround time because of my editing team, but I think I might try to film something next week. If not then definitely will be covering it in a future video as the card rolls out 👍
3% cash back is really tough to beat for miscellaneous spending
More videos on finance for couples would be awesome!!
Thanks for commenting about that! I definitely wanna cover more of that topic because finance for couple can get complicated haha. We're still working on our perfect system so I've got some video ideas
Very nice studio. it feels like home.
Thanks Yue! Love to hear that! I'm really really happy with how everything looks now
@Daniel_Braun congratulations to you and Jackie, very happy for you two.
Good studio😲
Thanks Dave, appreciate it man!
Nice setup, I need to come up with one
Thanks James!
@@Daniel_Braun yw
Let's go 🎉🎉🎉
Another week another upload!
Great content Daniel! Congrats on the upcoming wedding…Exciting!
Question, do you get a large preponderance of your points from your spending or from points you receive from referrals (people using your links).
I’m a frugal person and it seems as though it takes a while to build up our points.
Thanks so much Chris! So that’s a great question and something that I’m actually touching on in my next video. I do have the ability to get more referrals than the average person because of my channel - but I’m capped at the same number of yearly referrals as everyone else. Most of my links are affiliate links that pay cash commissions, as disclosed in my video descriptions
But in doing the math for my most recent video, Jackie and I have been able to earn well over 1 million+ points over the past few years without even counting these referrals. So I’m excited for this next video to talk about all the tips I have for that!
@@Daniel_Braun, this is one of many reasons I follow you man…You’re very transparent & forthcoming with information, tips, & tricks! Very much appreciate you spreading the wealth of information to the rest of us! Can’t wait to see the upcoming video!
I can’t fathom 1+ million points. 😳
@@Chris-et2cq thank you!! Always trying to be transparent about everything 👍
And yeah it’s gonna be a great video! Appreciate the support
Yesssss. FINANCE FOR COUPLES. DEF NEED THAT 😃😃
Coming soon!!
My Wife & I were married last August and have been putting off combining finances. Our incomes vary quite a bit but we both want to combine in a way where we can cover our reoccurring expenses and understand where the rest of our money is going. I'd like to see how you are doing this along with high-level credit card strategies so I can show her how powerful credit cards are if used correctly. (We're flying Turkish business to Naples for 90k miles + tax in August, so she kind of understands lol)
I like the wallet setup! When you go to having new cards, do you ever close the cards or just product change?
Thanks Ronak! I do product change old cards from time to time depending on my strategy. I'm open to closing cards and will likely close my Amex Business Gold later this year because of change that it made. But generally I have not had to close cards yet, although I will if changes are made that no longer make the card worth it to me
@@Daniel_Braun thanks for going over that! I have the regular c1 venture but was interested in going for the venture x, and because I wasn’t really thrilled with the product change offers I was receiving I am open to closing it. Haven’t had the card for 2 full years so my belief was that it wouldn’t hurt me since I don’t have much history in it.
If I currently have the Citi Custom Cash, which gives 5% cash back on your top eligible spend category, and also have the Capital One Venture X which gives 2X Miles on all purchases... Should I use the Citi card exclusively for one category (like dinning), or should I always use the Venture X for all my purchases?
did you downgrade your sapphire to get another sapphire sub later?
what makes bilt a better card to pay your rent with compared to a chase card where instead of getting 1 point per dollar with Bilt you would get 1.5 with chase?
Can you explain why you downgraded your saphire?
Currently in my Apple Magsafe wallet is the CSP (working on welcome bonus), AmEx Gold and the AmEx BPP for business spend. After I reach the welcome bonus for the CSP, I will be applying for the AmEx Platinum and replacing the CSP in my wallet.
Nice, great cards! Thanks for sharing what's in your wallet!
I run a similar setup just picked up the IHG not bad for gas with the 4th free night. No Amex
Nice! Always love to hear other cards that people are using in their setup that differ from mine, so thanks for sharing 👍
First time seeing you wear a logo tee! Felt weird 😂😳
😂 Haha I know it felt weird to see myself with a big logo like that. It helped me make a good transition to the Cuts Clothing part of the video though, so I just rolled with it lol
finance for couples would be great!
Awesome to hear! Yeah I definitely wanna make some content about that and maybe get my fiancée to make an appearance haha
Would love to see a video on finances for couples. If there's anything you can expand on from this video...
Awesome - coming soon!!
Lol, I see what you did there!@@Daniel_Braun
If you want to use a transfer partner like American or United, do you need a credit card from them to transfer to or just an account to transfer to?
You will need a card that earns flexible bank points from Chase, Amex, Capital One, etc. Then you can actually transfer to other programs in the same alliance to book United or American - I explained more in this video here: th-cam.com/video/uIY268QxEGE/w-d-xo.html
Daniel, I am booking flights to Greece for my wedding from Washington, DC or New York. I want to get a good deal on transferring points to partners. Can you help?
How do I get the 190,000 points for the Amex
Do you have a video about how to downgrade the CS card? Would they reimburse some anuall fee? I just got a Venture X card and I don't really need 2 Lounge access 😅
I don't have a video walking through it step by step, but it's actually pretty easy! Just call the number on the back of your card and ask about product changing - they'll transfer you to the right people. Then choose what card to downgrade to - personally I went with the OG Freedom card so that I could confirm that it was still a downgrade option, and it was!
And yes, the annual fee was partially refunded to me based on the amount of time that had passed since my annual fee was posted. So I got about $60 back which I actually wasn't expecting! Super easy process 👍
Wait you’re 6’4”?! Dude you’re jacked for your height. Keep up the grind
He finally bought the sub shirt
Always fun to throw in a little Easter egg for my videos that reference previous videos haha
there is a 250k points on the platinum biz card
Yeah that’s a huge offer for anyone that’s targeted for it! Unfortunately I needed to make my business purchases quickly, so I tried to find that offer and the highest that I got targeted for was 190K - so I’m still happy with that 👍
Damn there was a 250k bonus on that biz plat. 190k is still good though
Hey Daniel, you don’t carry any Chase Sapphire products anymore?
Going to be re-applying for the Sapphire Reserve in the coming months! Hopefully will apply if they ever decide to increase the sign up bonus at some point this year. I didn't really get a chance to explain why I downgraded my CSP in this video, but explained in more detail in my 2024 strategy video: th-cam.com/video/5pDZgHbQWHM/w-d-xo.html
Nice! As always, great content! You the man!
Chase Freedom for groceries over the Amex gold?
Freedom Unlimited is earning 5x on my finacee’s card thanks to a sign up bonus like I mentioned. So the 5x beats 4x on the Amex gold
thoughts on robinhood gold card?
Hopefully going to make a video on it soon! Even if it's just a reaction video that is different from my normal content with the fancy edits haha. The big headline is that 3% earning rate which is huge! Definitely gonna be something that competes very well with other cards
Is it worth it to change my freedom unlimited to just a Freedom to try and reapply for a freedom unlimited for SUB? Im very new to this game and I think I want to try to get mostly chase cards
Personally I would say that it's not worth the hassle to cycle through SUBs with Chase Freedom cards because the bonuses are good, but that effort and spend can be a lot more effective towards the SUBs on other cards with higher offers
@@Daniel_Braun thanks for the response! I appreciate your opinion
What do you do with the rest of you credit cards and their fees?
With the new court ruling on visa/mc and swipe fees changing do you all think the game is gonna change a lot ?
Not really - the changes are gonna take time to occur and many merchants already have surcharges for accepting debit or cash instead of credit cards. I'll continue to follow as time goes on, but will be interesting to see
In the last 12 hours I’ve done lots of research. It looks like they have left enough margins to support current reward on standard cards. I’m not sure the premium cards with high returns are gonna last cause the ruling allows vendors to exclude them now. Redstone may have problems with their 5% too lol
So you must have missed the Amex Biz Platinum 250k bonus?
Yeah I didn't get that one personally and wasn't going to wait for it because I needed the upgrade of my studio with my move. I'm still really happy with the 190K offer though!
Please do a couples video, I want to do this with my girlfriend but not sure how to approach it for the best outcome
What wallet are you using?
$3200…. A month…. To rent an apartment?!?!
Wild lol
I'm getting married this year too, i would love to learn about finances as a couple! :)
Robinhood Gold card Video? 🤫
Hoping to make one about that maybe next week if I can! I think it could be a great card that competes very well
Anyone tell you that you look exactly like Zayne Emory?
That's a new one haha - looked him up and maybe some similarities 🤔 haha
Not a fan of any of those cards except for the Custom Cash.
Why not?
@@Daniel_Braun 5% Amazon, 5% groceries, 5% gas, 2% everything else is my setup. I don't fly and rarely eat out. Only reason I'd open a new card now is for a card equal or better than one I have but comes with a promo bonus after opening.
Finances for couples 🙏