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Personal Finance Tips | near.blog

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You should generally use a credit card rather than debit card in order to receive least 2% back on everything you buy. I don’t participate in churning, but I do optimize for cashback. Suggested cards: Brokerage accounts are usually the best way to manage your money in the US. Brokerage accounts share feature sets with bank accounts (and are often merged with them) including ACH (standard withdrawals/deposits), wires, and checks. Suggested options: My highest-ROI finance knowledge has come from niche tweets, conversations with friends and coworkers, and newsletters. Although these newsletters cover more than personal finance, I’m including them here due to their exceptional quality. Suggested newsletters: You shouldn’t need much more than one or two brokerage accounts (at least one of these being an IRA or Roth IRA). You should not need a wealth manager or financial advisor or private bank or anything fancy unless you are actively unwilling to learn basics (If you’re an exception to thi

A short post of US personal finance tips which are not memetic-competitive Credit Cards You should generally use a credit card rather than debit card in order to receive least 2% back on everything you buy. I don’t participate in churning , but I do optimize for cashback. Suggested cards: Amazon Prime Visa (5% back on all Amazon purchases with Amazon Prime) Robinhood Gold Card (3% back on everything with Robinhood Gold ($5/mo)) Chase Sapphire Reserve (3-4.5% back on travel+dining buy $550 annual fee; good for high spenders) Bank of America Premium Rewards (2.625% back on everything, 3.5%

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