Pod Insights Financial Tea with Mrs. Dow Jones The Credit Card Secrets Rich People Don’t Talk About (ft. The Points Guy) About this episode Brian Kelly (aka The Points Guy) joins Financial Tea to spill his credit card secrets—the five cards you need in your wallet, which ones are actually worth the annual fee, and the mistakes that can wreck your credit. He gets real about ruining his credit when he was younger, how he rebuilt it, and how to maximize points and perks without blowing up your finances.
Financial Tea with Mrs. Dow Jones is a Sony Music Entertainment production.
Pre-Order my upcoming book, FUTURE RICH PERSON, here: https://www.mrsdowjones.com/book
Find more great podcasts from Sony Music
Entertainment at sonymusic.com/podcasts and follow us at @sonypodcasts
To bring your brand to life in this podcast, email [email protected]
Learn more about your ad choices. Visit podcastchoices.com/adchoices
Transcript Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.
0:02 Haley Sacks? What's up, rich people? It's me, Haley, AKA Mrs. Dow Jones, and this is Financial Tea. Okay, we all love to romanticize being your own boss, but even when you have a team, you still end up being the bookkeeper, the marketing department, and the person rearranging appointments at 11:00 PM. And that work isn't just annoying, it is expensive, and it's especially taxing for businesses that run on appointments. So if you own a business that takes bookings, this one's for you. GlossGenius is a system that runs the operations for you behind the scenes. Scheduling, payments, admin handled automatically. Payment processing is a flat rate with zero hidden fees,
0:45 Haley Sacks? and check out Rebook's clients on the spot. Clients can book in seconds too, so there's no login or separate app necessary, so you actually get more appointments. 125,000 businesses already trust GlossGenius to earn them more and save them time. Want to try it out for yourself? Go to glossgenius.com and use code FINANCIAL for 50% off your first two months of a premium plan. Okay, so I just gave my apartment a major refresh, and hands down, the hardest thing to get right was the rug. I just couldn't find one that fit right, and I really wanted something that pulled the room together, because a rug is a big deal. But then I found Ernesta, and Ernesta's amazing, you guys. It makes designer-quality rugs
1:29 Haley Sacks? custom-cut to the exact size of your space, so it actually fits instead of almost fits, and looks great the first time. Like, in the past, I've just defaulted to stock sizes when buying rugs. And also, when you're in a New York City apartment, that really just doesn't cut it, but they're all weirdly shaped. But with Ernesta, you can send photos and dimension to Ernesta's design team, and they help you get the size exactly right, completely free of charge. Hand-selected by design experts, Ernesta rugs are beautiful, they're durable, and they're made for the way you actually live. Cut, finished, and delivered in as little as two weeks. Visit ernesta.com and order five samples for only $10, and you will get $50 toward any rug of your choice.
2:13 Haley Sacks? That is E-R-N-E-S-T-A.com. What's up, sippers? Welcome back to Financial Tea with Mrs. Dow Jones. This is the podcast where I teach you how to build wealth with a side of market drama, money scandals, and of course, financial pop culture. In this episode, we're going to be talking credit cards. Yes, plastic is back, baby. We're going to go through the good, the bad, and the ones absolutely wrecking your financial life that you need to stay away from at all costs. Of course, I couldn't do this alone, so I brought in the big guns. Brian Kelly himself is joining us, AKA The Point Sky. And let me tell you, the man spilled everything, including something shocking about his own finances
2:56 Haley Sacks? that, fingers crossed, will land us in page six. Also, low-key, every person who works on this podcast and like heard the recordings, sign up for his card recs after the episode, including me. So be prepared to get super actionable after you listen to this episode and you're going to upgrade your wallet too. So if you want better perks, better credit, and more free flights without ruining your net worth, this episode is for you. Let's get into it.
3:25 Speaker 01 This is monumental.
3:26 Haley Sacks? It really is. We're going to do just a little prayer, just bring in the podcast gods. You know, we're here to help people with their credit cards.
3:36 Speaker 01 Let's, let's do a little manifestation.
3:38 Haley Sacks? Manifestation.
3:39 Speaker 01 Ask, believe, receive.
3:40 Haley Sacks? Ask, believe, receive.
3:43 Speaker 01 In the words of Kim Zolciak, beer man of the Atlanta housewife, she's one of my financial gurus.
3:47 Haley Sacks? She really is. I think housewife to me is like-
3:49 Speaker 01 She's ahead of her time.
3:50 Haley Sacks? Yeah, they all are. They all are. They're, they're playing chess. We're playing checkers, baby. That's really who you need to look to. I have a few questions for you before we start that we ask every guest.
4:01 Speaker 01 Okay.
4:01 Haley Sacks? First of all, what are your best and worst purchases of the week? Be for real.
4:06 Speaker 01 Ooh, my best? Oh, so my worst purchase of the week is a, I love jackets and I, you know, you gotta spend money to make money and I believe in having nice clothes. But I didn't try it on and it looks beautiful, but it-
4:20 Haley Sacks? Yeah.
4:21 Speaker 01 I took the tags off and I went outside to wear it and it's like extraordinarily woolly. It's like Brillo pad.
4:27 Haley Sacks? Oh, no.
4:27 Speaker 01 And I have like sensitive skin and it was like a $2,000, really beautiful overcoat that I now cannot return. I will still wear it, but I was really annoyed. So never take your tags off until you really do a trial run.
4:39 Haley Sacks? Oh yeah, you've got to wear, wear first.
4:42 Speaker 01 Yes.
4:42 Haley Sacks? Try before you buy.
4:43 Speaker 01 Always. Um, yeah. And then my best purchase of the week.
4:49 Speaker 01 Would have to be, I'll say, because this is, is travel insurance. So for the year ahead, I buy a yearly travel insurance package for my whole family.
5:00 Haley Sacks? Smart.
5:01 Speaker 01 Even though I have coverage through certain credit cards and I have good health insurance.
5:04 Haley Sacks? It's never enough.
5:04 Speaker 01 It's never enough. And I think for me and my kids, it was like fifteen hundred dollars for the year for really good coverage. So it's always just a nice peace of mind to have that.
5:14 Haley Sacks? That's awesome.
5:14 Speaker 01 Allianz, I'm not, I have no partnership with them, but in the travel insurance world, Allianz is the yearly plan that pretty much all the top travel bloggers, it has a very good reputation.
5:26 Haley Sacks? Yeah, that's what I've always used to.
5:28 Speaker 01 Allianz is like the gold standard. Never buy travel insurance through the airline website, hotel website. You want to get it from a travel insurance provider because the airlines and hotels often, it's not even travel insurance. It's what's called travel protection, which is more expensive and has less coverage. So, fun fact, and insuremytrip.com is where if you want an individual package for like a big trip, that's where you go and compare and contrast plans before you purchase.
5:53 Haley Sacks? Yeah, I feel like people, when they book trips, it's already so expensive. So you're always, I feel like, and that's the same with, people always skimp on insurance. Like when you buy your iPhone, you're like, oh, well, Apple Care is another two ninety-nine, so I shouldn't get it. But then the next day you drop your phone and then you have to pay to replace it.
6:09 Speaker 01 Totally. Travel insurance, I think, it's like, it can be four or five percent of the total cost of the trip. It's like a rounding error, in my opinion. So definitely a believer, you know, airlines melting down, this, you know, last year we saw a lot of drama with airlines, the shutdown.
6:23 Haley Sacks? Yeah.
6:24 Speaker 01 You name it. So travel insurance, I think is a good twenty twenty-six bet.
6:28 Haley Sacks? Okay, that's really good. So my next question is sort of intense, but I know that you have a good answer. What do you lie about when it comes to money? Because we all fib a little.
6:40 Speaker 01 Ooh, what do I lie about when it comes to money?
6:43 Haley Sacks? Like with dating, like anything?
6:44 Speaker 01 Ooh, well, first off, I would say, you know, people think I'm the points guy and I put every single expense on credit card. And by and large, I do. I also carry around cash all the time. And this is a mistake I see a lot of people making.
6:58 Speaker 01 I am a believer in a tip. And I think tips can get you extraordinary value and favors beyond like what you're owed. And I think in the travel world, for example, if you tip, not that I tip hotel front desk agents a lot.
7:14 Haley Sacks? Do you do it when you check in?
7:16 Speaker 01 Some people do. I generally, I'm not that forward, but you could do that. And then if you ever need help, like cancelling the room early, like just being nice and tipping, tipping the front door, you know, front desk people. And then when you ask for a favor, like, hey, can I get late checkout?
7:30 Haley Sacks? Yeah.
7:31 Speaker 01 The people like you. So I always have cash on me, although I do try to spend everything that I can on a credit card. Not just for the points. And this is what people need to realize too. When you're buying anything, using a credit card gives you protections as well. So.
7:45 Haley Sacks? Yeah, that's huge.
7:46 Speaker 01 So even when I'm renting villas abroad and there'll be like 3%, you know, fee to use a credit card or free to bank wire or a boat rental in Miami for a day. Use the 3% fee.
7:56 Haley Sacks? Yeah.
7:57 Speaker 01 You're gonna earn points that'll pretty much cover the fee. But even if it doesn't, you have the protection. And when that boat doesn't show up or the quality of the boat, if you wired the money to them to save that 3%, you're out the entire cost. So that is something I've learned over the years that, you know, I will pay a fee to pay for services. So I have that extra protection as well.
8:19 Haley Sacks? So you're lying about being the points guy because actually you're paying cash?
8:22 Speaker 01 Yeah, I do carry cash on me.
8:24 Haley Sacks? Okay, caught you.
8:25 Speaker 01 And I do like tipping in cash as well because, you know, when you put a tip on a credit card, you're not sure. Especially in other countries, like the person you're trying to tip is probably not gonna get it.
8:34 Haley Sacks? Cash is king.
8:35 Speaker 01 Cash is king and I think it, you know, it gets you karma points. So even if you're not getting your credit card points, but like I do believe in the value of like hooking up the people that, you know, make our lives easier.
8:45 Haley Sacks? My issue with carrying cash is I feel like I'm, I become like too making it rain. Like I'll be seeing anyone and I'm like, here's a little for you, here's a little for you, like.
8:53 Speaker 01 I think, but I've come to learn that like if you can afford it, just do it, right? Like I remember when. Like I now luckily I have twenties on me pretty much all the time.
9:02 Haley Sacks? Yeah, so guys, if you're looking for someone to mug, to sort of like track down, maybe, you know, you are looking for some extra cash like Brian's a good target. He's very tall.
9:11 Speaker 01 And I'm also, I mean, God, I've never been mugged.
9:14 Haley Sacks? I'm kidding.
9:14 Speaker 01 Or like, or pickpocketed, but I'm of the mindset like, I mean, and I'm fortunate. Take it and if someone really, I'm not going to stress about, you know. Yeah, I know that's a very fortunate place to come from.
9:28 Haley Sacks? No, you have a good money mindset, like you believe that money is abundant and that it comes too easily.
9:32 Speaker 01 And I do believe the more you give in life in general, not just money, but your time and energy, it does come back.
9:38 Haley Sacks? Okay, final question, do you feel rich today?
9:41 Speaker 01 I do.
9:42 Haley Sacks? Yeah.
9:43 Speaker 01 I do feel rich. I have flexibility in my life, like I can make decisions. I have two kids by myself, which so many people will say, you're so brave, I could never and. I, I am fully transparent in that I have incredible two nannies that.
10:03 Haley Sacks? Alternate.
10:03 Speaker 01 Alternate and work with me full time. So I kind of have, it's like having a, a wife, you know, full time, 24 seven, you know, seven days a week who is just dedicated on the kids and they're thriving. So that to me is, you know, being able to have kids who are able to thrive and be happy and send them to good schools and, and I think like bigger picture too, like the stock market goes ups and down. We saw, you know, craziness, but I think I hit a point a couple of years ago where I'm just like, I'm just not going to worry about that day to day. Not stressing about the day to day fluctuations of the market. And I think as I've heard you say, it's not timing the market, but that's time in the market and just letting those lessons finally sink in over time as you get older.
10:46 Speaker 01 I think that's, that's, you know, I do feel rich in that respect.
10:49 Haley Sacks? Okay, so we're going to talk about credit cards today. Obviously you are the points guy, but before we jump into that, I want to know what credit cards do you actually carry? Like what heat are you packing, Brian?
11:03 Speaker 01 Twenty eight credit cards. Now, I also have small businesses and I also, you know, as part of the Points Guy, a funny deal note that I negotiated when I sold the company many years ago is that I was able to put the expenses for the business on my personal credit card.
11:20 Haley Sacks? So crazy.
11:22 Speaker 01 So that I'm the Points Guy and when I sold to a big publicly traded company, I was like, my travel patterns will break whatever travel policies exist.
11:30 Haley Sacks? Yes.
11:31 Speaker 01 And I don't want that tension. So I was like, let me put the company expense on my card. I need the points. They were like, no brainer. Yeah, you gotta practice what you preach.
11:37 Haley Sacks? Yeah.
11:38 Speaker 01 That has like, that is how I get most of my points. You know, at the Points Guy, we spent a lot of money on internet ads, Google, Facebook, Microsoft Bing. That's what I was thinking. So I get to put a portion of those on my credit card and
11:50 Haley Sacks? That's a
11:50 Speaker 01 last year.
11:51 Haley Sacks? Genius, Brad.
11:52 Speaker 01 The biggest points thing happened to me last year when Chase Sapphire, they refreshed and they came out with their new Chase Sapphire Reserve for business. And when I was getting the information on it, I saw one thing that I, like, the time stopped and it was triple points on internet advertising.
12:08 Haley Sacks? Whoa.
12:09 Speaker 01 Unlimited.
12:11 Haley Sacks? Stop.
12:11 Speaker 01 So up until that point, there was Amex Business Gold, there was Chase Inc. and they all had $150,000 a year caps.
12:17 Haley Sacks? Whoa.
12:18 Speaker 01 Imagine me, sometimes I spend a million dollars a month.
12:20 Haley Sacks? Damn.
12:20 Speaker 01 So I was having, I had multiple cards and, you know, once I would max out the 150, it was like playing credit card roulette. I'd have to put, and the Sapphire Reserve business now is 3X Unlimited. So for anyone out there listening,
12:30 Haley Sacks? That's made for you.
12:31 Speaker 01 Even if you have a small business doing, you know, Instagram ads or whatever, this is a game changer.
12:35 Haley Sacks? Yeah, that's major.
12:36 Speaker 01 So many people follow the Points Guy, even doctors, doctors who do a lot of spend or internet ads. This is like the game changing card for me. So now, you know, my points earn because of that new card. That's the number one card I spend the most on. That's not my personal spend. Personal spend is Capital One Venture X surprises a lot of people. That card is two miles per dollar on every dollar you spend.
13:01 Haley Sacks? People love that card. I have that card.
13:03 Speaker 01 When you think about it, 2X on everything, because that's, you know, I spend a lot of money, you know, even when you're paying tuition, you could even pay taxes on that card. Because the government charges 1.89%.
13:16 Speaker 01 To pay, but when you're paying on a Venture X card, you're getting two valuable cap one miles. And then other cards, just I think for, you know, the urban dwelling, young person, Amex Gold.
13:26 Haley Sacks? Oh, Amex Gold's the best. Like, people really play themselves with the Platinum stuff. And I'm like, just get the gold. Like, you are not traveling enough. You are eating out. That's what you do mostly.
13:35 Speaker 01 You eat out for X, not just eating out, but also groceries.
13:39 Haley Sacks? So that's like what we're spending on. The gold is my...
13:42 Speaker 01 Gold is like...
13:43 Haley Sacks? That's everything.
13:43 Speaker 01 You know, Platinum is great if you get, you know, for perks, if you fly Delta, if you like Centurion. Platinum has its place, but as a points earning card, so many people think the Platinum is the best Amex points card, and it's not.
13:55 Haley Sacks? No, people think that just because it's the highest level that you're going to get the most, but you have to actually look at the fine print and think about how you are spending as a consumer.
14:04 Speaker 01 Yeah.
14:06 Speaker 02 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
14:35 Speaker 03 Visible puts the ultimate wireless hack in the palm of your hand. With unlimited 5G wireless data and hotspot, designed to keep you connected. Powered by Verizon's 5G network. And no contract holding you back. Plans start at $25 a month. Or get the premium Visible Plus Pro Plan and save $10 on your first month when you use promo code HACK. Make the switch at visible.com. Terms apply. See visible.com for details.
15:05 Haley Sacks? Can you name all 28 of your children? Like, let's see it. Rapid fire.
15:11 Speaker 01 This is a very vulnerable moment for me. I've always been asked, people just will stop at, oh, I have 28 credit cards. Wow, that's crazy. My credit score's, you know, near perfect.
15:19 Haley Sacks? No, I need a list.
15:20 Speaker 01 Haley is the first.
15:21 Haley Sacks? Receipt timeline.
15:22 Speaker 01 She wants receipts. Receipts, timeline. Okay, here we go.
15:39 Haley Sacks? Ryan, you did it.
15:41 Speaker 01 Did you get it?
15:41 Haley Sacks? Twenty-eight.
15:42 Speaker 01 I think that there's probably one other out there missing, but uh.
15:45 Haley Sacks? Yes.
15:46 Speaker 01 But yeah.
15:48 Haley Sacks? What was your first credit card?
15:49 Speaker 01 Oh my God, my first credit card was the University of Pittsburgh. When I was in college, they gave me an umbrella.
15:56 Haley Sacks? Oh, they're always giving you a free time.
15:58 Speaker 01 And I had no money and funny enough, I was an idiot. I went on spring break. I wasn't working. I got into credit card debt.
16:05 Haley Sacks? Duh.
16:06 Speaker 01 And I went home for college or holiday break and I remember going to a diner, smoking cigarettes with my friends. And I drank two pots of coffee and I came home and had heart palpitations and I hadn't told my parents I was in credit card debt. And I remember I was bugging out.
16:20 Haley Sacks? How about, how much was it?
16:21 Speaker 01 It was like five or six grand, but I couldn't pay it.
16:23 Haley Sacks? And what was it from?
16:24 Speaker 01 I mean, I was stupid with credit. I went to Ireland on spring break. I couldn't afford it. I, I, I made all of the mistakes. I sat down with my parents. They were like, you're an idiot. We're not paying for this for you. And they're like, well, what we will do is you're going to get a student loan to pay off your bills. And I paid off that student loan for like five years into like working in New York City. And I also.
16:46 Haley Sacks? What was the interest rate?
16:48 Speaker 01 It was crazy. I don't even know. I mean, oh, the, the student loan was maybe 12%, but I think my card was 30. It was like this, you know, I was in quicksand. So I understand. I also made the dumb choice. I skipped out on all my bills my senior year when I moved to New York. I was like, they'll never catch me in New York City. And then I, I actually got wage garnishing notices from creditors.
17:08 Haley Sacks? Wow.
17:09 Speaker 01 When I was 22, working my $45,000 a year job. So I was like.
17:13 Haley Sacks? So you learned the system through being in the system?
17:16 Speaker 01 I mean, I, this is a secret. I don't know if I've ever told this, but when I, my parents were like, we're not helping you. You got to figure this life out in New York.
17:23 Haley Sacks? Yeah.
17:24 Speaker 01 The fifth floor walk up. I was living with roommates with cats and like this.
17:27 Haley Sacks? Oh God, a cat, Ryan.
17:28 Speaker 01 I know, but I was like, I'm going to figure this financial thing out and it took me years. And funny enough, my credit got so bad that when I got my job at Morgan Stanley as a college recruiter, they wouldn't give me the corporate AMX and I had no money to travel for.
17:42 Haley Sacks? Damn, that A is a crazy thing about credit that people don't realize is that your employer can research it and like can know your credit.
17:49 Speaker 01 Yeah.
17:49 Haley Sacks? But also, I feel like it's a good example of people. One of the things that keeps people from taking control of their finances, I think, is this idea that it's like too late or that they're missing a chip or something to do it. But actually, everyone starts from the same place. Like Warren Buffett was born financially illiterate. The points guy didn't.
18:08 Speaker 01 I was in credit card debt. And by the way, my secret that I don't tell often is that I actually took a payday loan. When I was 23, living in New York, I had no money. All of my, I had my student loan.
18:19 Haley Sacks? I might have a rash.
18:20 Speaker 01 I know. It, it, and funny enough, that payday loan was so predatory. I tried to pay it off. It was a never ending loan because you would pay it off and it would be a $40 fee.
18:29 Haley Sacks? Yes.
18:29 Speaker 01 Funny enough, years later, I'm watching a Netflix documentary on the scoundrels that ran that paycheck that he went to jail. He was at, he was from Kansas City. They ran this payday. It is.
18:40 Haley Sacks? We got a right to him.
18:41 Speaker 01 It is criminal and I experienced it because I, I refused. My parents weren't giving me money. I was actually picking up odd jobs in New York City on Craigslist. I was pretending to be a, a sommelier. I would do, like, I did an Indian dating event in the East Village for 200 bucks, pretending to be a sommelier. And I broke the cork, opening the bottle.
18:59 Haley Sacks? Of course.
19:00 Speaker 01 But I am so thankful to my parents for pushing us like, you want to live this rich life?
19:05 Haley Sacks? Yeah.
19:05 Speaker 01 I've always wanted to be rich. My parents were very, I'm one of four kids. My mom's one of 10. They did well, but I thought we were poor growing up.
19:13 Haley Sacks? Yeah.
19:13 Speaker 01 And I am so thankful. They did not give me the brand new car when I was 16.
19:17 Haley Sacks? Yeah.
19:17 Speaker 01 I was so mad. My, my parents were like, you're smart, you can figure it out.
19:22 Haley Sacks? And you did. You were being a victim of the system to gaming the system.
19:25 Speaker 01 Which is funny, I had horrible credit, payday loan, couldn't get a car, credit card. And now I'm like the world's expert on credit cards. So anyone listening out there, trust me.
19:34 Haley Sacks? They could do it.
19:35 Speaker 01 This is a system, it's, you know, credit is not that complicated. You can make mistakes, but the biggest, you know, FICO lists on their website, like, you just got to pay your bills down. One of my very good friends, who's 40 years old. You know, lives a jet setting life, but behind the scenes was crumbling financially. I actually worked with him recently. He had huge credit card debt. You can call the credit card companies, negotiate.
19:57 Haley Sacks? I always say this, and I actually have free scripts for credit card negotiation.
20:01 Speaker 01 I was shocked because I haven't.
20:03 Haley Sacks? No, you can call them, but everything is negotiable. Your wireless bill is negotiable.
20:07 Speaker 01 They want to figure it out.
20:08 Haley Sacks? Everything is.
20:09 Speaker 01 So take your head out of the sand.
20:11 Haley Sacks? Yeah. Take action.
20:13 Speaker 01 But the good thing about it is just focus. You gotta, you know, it's, you gotta make more money and spend less money. It's a simple equation, but the beautiful thing about credit is once you, A, just make every payment every month. That's number one. Number two is, you know, your debt to credit ratio. Just paying down your bills every month, you will see your score start to rise. It'll be small, but do not, you know, a lot of people want the easy way out. Let me just declare bankruptcy or whatever that, you know, you want to avoid at all costs.
20:40 Haley Sacks? Yeah, you don't want to do that. But sometimes to get out of debt, if you're in a lot of credit card debt, it makes sense to like, do like a debt consolidation company, and which will hurt your credit in the short term. But usually your credit is already not great and you could fix your credit. Like your credit is quite fixable.
21:01 Speaker 01 It's fixable.
21:02 Haley Sacks? You know, so mostly just figuring out what's the quickest, cheapest path to paying it off.
21:08 Speaker 01 And then stick to it. You know, you have to bring down your expenses.
21:12 Haley Sacks? So you're the points guy, so you have 28 cards, but for the regular person setting up their wallet, how many cards should we have? And like, what's the mix of cards that you should have? Because I feel like that's just so confusing.
21:24 Speaker 01 Yeah, and I don't recommend everyone getting 28 cards. By the way, you may think 28 is crazy. I know people who have over 100 credit cards in this game. So there is a, you know, I'm a expert. I mean, there are people who are like, have hundreds of credit cards and perfect credit scores, right? So that's the thing that, you know.
21:41 Haley Sacks? You could, it's a full-time job.
21:42 Speaker 01 But it's a full-time job. Not everyone is cut out for it.
21:44 Haley Sacks? The juice is not worth the squeeze unless you're the points guy.
21:47 Speaker 01 Yeah, but I would recommend in general, I think a healthy credit card portfolio. Now, this is, we're coming from the mindset of you're going to pay your bills off every month on time.
21:56 Haley Sacks? Yeah.
21:57 Speaker 01 If you're not financially like set up to do that, if you in your gut right now think, oh no, I'm going to spend too much, don't do this, right? But if you've got your finances down. You absolutely, I think five credit cards is a healthy place to be. You have a Visa, a MasterCard, an Amex and a double, you know, maybe one more Visa or MasterCard and at least an Amex. But I like having at least one from all three of the, you know, big credit card networks. Cause sometimes, especially when traveling, they may not take one or the other. So.
22:25 Haley Sacks? That's a really good point.
22:26 Speaker 01 But then just look at what you spend the most money on and.
22:29 Haley Sacks? To choose which one it makes, like which type of each card makes the most sense. But like, how do you know if you should get an annual fee card?
22:37 Speaker 01 In general, I believe strongly in annual fee cards. Most no annual fee cards are not worth it. And this is a good point. Some people say it sounds too good to be true. Like, look, the credit card companies are spending more money on you to get you as a customer.
22:48 Haley Sacks? Yeah, they want to acquire you.
22:49 Speaker 01 Don't ask questions. That's the banks. And trust me, look at the, you know, look at the stock market for all the banks. They're doing well. So never feel bad about taking your fair share.
22:57 Haley Sacks? But is there like a special, a specific salary that you should have that correlates to what credit cards you should have? Like, how do you know?
23:04 Speaker 01 Well, I think once we start getting into the annual fee realm, so I think anyone should, you know, a $95 a year card, the Chase Sapphire Preferred is an excellent starter card. You know, Capital One Venture, Amex Green or Amex Gold Card. It's a little bit higher. It's like that in between, but look at the, don't just look at the annual fee. Look at all the perks you get, the benefits, and do the math for yourself of will I actually get more than the, than the annual fee? Now, if you want to get a premium card, I do believe, and look, I work with all the credit card companies. Each one has its own, but a no brainer for me is the Capital One Venture X. So that, that card is $395. You get 300 a year in travel, which is easy to use.
23:47 Speaker 01 So that's $95 a year, but then they also give you 10,000 bonus miles a year. And those 10,000 at a minimum are worth a hundred dollars. So you're now making $5. And this is a card that gets you access to their beautiful lounges. So, and 2X on everything.
24:02 Haley Sacks? Okay, great.
24:03 Speaker 01 Yeah. So that is a card. Some of the other cards that are seven, $800, you might have to do more of the math. But the Capital One Venture X card is to me, the. An easy first premium credit card, especially if you live in a city. Their lounge at JFK is 24/7 at Terminal 4, which is awesome. So anyway.
24:22 Haley Sacks? So the Capital One Venture X, we think everyone should have.
24:25 Speaker 01 It's a no brainer.
24:26 Haley Sacks? You get, because you can get your $300 in travel and then you get.
24:30 Speaker 01 And you get the $100 a year minimum in that 10,000 points.
24:33 Haley Sacks? Bonus.
24:33 Speaker 01 So it's a 395 card. You, I am confident in saying they're essentially paying you. Plus, this card has all these other perks like lounge access and the Capital One lounges are stunning.
24:43 Haley Sacks? 24 hours at JFK. So then we, you said we needed five cards.
24:46 Speaker 01 So a 395, no brainer, Capital One Venture X, in my humble opinion. Number two, Amex Gold is 325, but comes with a lot of different perks and credits. And that 4X on dining and grocery, which everyone spends on. So that I feel confident in that if you're spending money, even if you're cooking or going out, you're gonna get the value back.
25:07 Haley Sacks? Yeah, you're gonna get your value.
25:08 Speaker 01 I think I love the Chase Ultimate Rewards ecosystem. I think a Chase Sapphire Preferred is a great entry level card. If you're looking at getting a premium credit card, I, I mean, Chase points are really valuable. The Chase lounges are gorgeous and.
25:25 Haley Sacks? But how do you know, like, I feel like, okay, Hailey Bieber did an ad for Chase.
25:29 Speaker 01 Yeah.
25:29 Haley Sacks? And like, we're seeing like the Foster sisters and like they're really coming through as being like, okay, like the girlies need to have their, like, almost $800 a year annual fee Chase card. But then Amex also seems like amazing. So how do you decide which annual, which high annual fee card you should get?
25:50 Speaker 01 So the Amex Platinum teams up with Uber, Chase Sapphire is with Lyft. So when you look at the Chase Sapphire Reserve, off the bat, you take off 300, because the Chase Sapphire Reserve $300 credit is easy. It's automatic. You don't have to opt in. You don't have to select an airline. So really Sapphire Reserve, 795 is really 495. That's where you're starting off with before looking into all the other perks and benefits. They have a StubHub, they have Lyft, they have DoorDash, they have Apple. So if you're playing, paying for Apple TV. In my opinion, they have, I think it's our team calculated like somewhere near $2,000 in yearly perks. Even if you're not getting half of them, remember it's not a 7.95 card. It's really, in my opinion, a 4.95 card.
26:35 Speaker 01 So if you've got 2,000 in perks to choose from, you really only have to get 25% to be even. And that's just for the annual fee. And that's without factoring in your lounge access, right? So if you're a girlie that travels, likes lounge access, then getting one of these premium cards, it is, you have to do the math yourself.
26:53 Haley Sacks? One airport water is 4.95.
26:56 Speaker 01 I value each lounge visit at at least $50. If you have the Sapphire, Amex gets you one, you just yourself in. Amex lounges are great. There's a lot of them.
27:05 Haley Sacks? They're also so overcrowded.
27:07 Speaker 01 So that's the other thing. Everyone had these cards. They are cracking down. In 2026, there's new rules with guests and everything with Capital One. Chase still allows two guests.
27:16 Haley Sacks? That is lit.
27:17 Speaker 01 So.
27:18 Haley Sacks? So I could bring mystery.
27:19 Speaker 01 My, my main point to people is get yourself down. Can you make the annual fee easily by looking at the credits and saying, yeah, I would have actually spent that money? Are you spending money on Apple TV right now? Well, you could get it for free on the Chase card. Your DoorDash, Lyft, the 300 Travel, they also have hotel credits at nice hotels. Now, when you're looking at the travel credits, sometimes like the hotels with Amex or Chase, you have to book through them. The hotels might be a little bit more expensive. They might not. There's two night stays. So those ones are a little bit harder. No one can tell you if you're going to get the value. But if you look and you say, well, I'm going to stay in this many hotels this year. I'm going to this many weddings. Those hotel credits I will use.
27:54 Haley Sacks? Yeah.
27:55 Speaker 01 Then you might be getting, you know, way more than the annual fee. Plus, so the lounge access is like the cherry on top. And then what I want to, you know, let people know, when you have these premium cards with the credit card companies, your service level goes up too. So what I mean by that is like when you have an issue with the vendor. I'll give an example. My, my son, when I was going on my book drawer, I had these beautiful permanent markers. He drew all over a $1,500 leather, beautiful new chair that I had gotten.
28:21 Haley Sacks? No.
28:21 Speaker 01 He ruined it.
28:22 Haley Sacks? No.
28:23 Speaker 01 But a lot of these parts-
28:24 Haley Sacks? Or he made art.
28:24 Speaker 01 He, it's actually art.
28:26 Haley Sacks? Yeah, it's art.
28:27 Speaker 01 But I actually filed a claim with Capital One because they have purchase protection.
28:31 Haley Sacks? So I bought my mom a dress for Mother's Day. This like Acris dress. It was like $800. And she has a dog with Pika, which who's seen the Charlize Theron movie where she plays the woman with Pika, where you can't stop eating anything inanimate objects. This dog has eaten couches. She's eaten mango pits. She eats rags, like whatever she'll eat it. So obviously they left, shut the dress out. The dog was like yum, dinner, ate the dress. Amex replaced. I got the messed up dress fixed. Now mom and I are matching. Thank you, Amex.
29:03 Speaker 01 Truly, and so have you ever ordered something online? It didn't fit. They won't take it back. So Capital One and a lot of them have return or extended warranty. So this is where, so on the points level alone, with the annual or with the signup bonus, you're getting thousands in value. So that's your first couple years of annual fee, plus the perks and fees, plus the service, and then plus all these other perks like protections. You know, a lot of these top premium cards, you know, Chase Sapphire Reserve, if you're delayed six hours or more, they're paying $500 for you and everyone on your, to get gorgeous hotels.
29:35 Haley Sacks? Yeah.
29:35 Speaker 01 Don't sit there and beg for a Motel 6.
29:38 Haley Sacks? Yeah.
29:39 Speaker 01 From the airline. If you've got a Sapphire Reserve, you're booking yourself at the-
29:42 Haley Sacks? You're a food cats, baby.
29:43 Speaker 01 Yeah. And they're reimbursing you. So that's the aha moment I want people to have. Don't just look at the annual fee.
29:49 Haley Sacks? Obviously, we love rules. Points Guy, Mrs. Dow Jones, we like to give people rules. But I would say the core of our work is also to look at things personally. Finance is personal, personal finance, but also credit card choice, personal.
30:02 Speaker 01 I'm so passionate about this. And once you, and I love the aha moments people have, once you, you know, if you're listening to this right now, you want to travel this year, you have all these weddings, you can't make it work financially, credit cards can help you do that if you're, if you play the game right. And that's what I love about it. And your credit score will go up.
30:20 Speaker 04 Observe the North American dad. 50s, great polo collection. He enters his vehicle information on Carvana. An offer appears in minutes. Remarkable. He squints, reads it again, smiles and says, dang, that's a good offer. The highest form of approval. No haggling, no hassle. No one called him boss. He's still on the couch. Astonishing. Sell your car today on carvana.com. Pickup fees may apply.
30:51 Speaker 02 This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.
31:20 Haley Sacks? You have 28 cards. Just sort of back to that. When you make a purchase, how are you figuring out what is the right card for each moment?
31:29 Speaker 01 Yeah. So it depends on just not how much you're earning, but also what currencies you need. And as you start using points, certain currencies work better for your needs. So I would tell people, you know, for all the major categories that you can, but there's just, there's not cards out there that are going to give you dental 5X, right? Like there's only a certain amount. That's why my baseline card that almost everything else, my online shopping goes on my Capital One Venture X, 2X on everything. So the goal in my eyes is just to earn more than one point per dollar on every purchase.
31:57 Haley Sacks? That's good.
31:58 Speaker 01 And beyond credit cards, this is an aha moment I want everyone to have is online shopping portals. So for shopping online, there's Rakuten. There's a website called Cash Back Monitor where you can type in whatever retailer you want to shop at and it'll tell you what cash back you can get. Or you can get airline miles. Amex, all the credit card companies have their own shopping portals where you can earn extra points. So never click directly
32:23 Haley Sacks? No.
32:23 Speaker 01 to a retailer. Always shop through portals because you're going to earn the points for paying for the purchase on your points credit card, plus the portal points.
32:30 Haley Sacks? Say those two portals one more time.
32:32 Speaker 01 So Rakuten, and then if you go to cashbackmonitor.com, you can type in any retailer and it'll show you all the different portals. American Airlines, Hilton, whatever. So if you want to get more American miles, you could, you know, shop through the, I shop through American Airlines shopping because the American miles you earn for your online shopping count to your elite status. That's one of the only airlines that'll do that. And American Airlines miles are actually among the most valuable.
32:57 Haley Sacks? No, we love American Airlines. The other thing about online shopping too is always price check. That doesn't have to do with points.
33:04 Speaker 01 Absolutely. I love all your tips on, and also don't buy the hype on Amazon, etc.
33:09 Haley Sacks? Like the, even if you go to, like if you're in a store about to buy something, look at it online first. Like that's happened to me twice and now it will never happen again where I've bought something that then I was able to find online for cheaper.
33:23 Speaker 01 I'll end with credit cards. So your Saffires, we're talking mostly about like the bank cards, which in my opinion are the most valuable. I do think there's room to have a co-brand card. So if you fly American a lot or Delta, the co-brand cards, while they're not the most valuable points because you're only earning in like an airline or hotel, whereas the credit card points you can transfer to a lot. Having airline hotel cards will give you perks that are valuable, like checked bags, priority boarding, etc. So I do leave space in your wallet for the airline you fly the most because $95 a year, but you're getting $100 per trip and free checked bags. That's a no brainer.
33:57 Haley Sacks? That's amazing.
33:58 Speaker 01 But don't spend everything you have on an airline card because the credit card points are way more valuable.
34:03 Haley Sacks? Obviously, like you're sexy, gorgeous man, you're on the market, and you've been in a lot of relationships. So what's the deal with, you know?
34:16 Haley Sacks? People that you're dating and like their credit cards. Do you ever give them a credit card? What's like a credit card red flag for you?
34:22 Speaker 01 You know, a debit card's a red flag.
34:23 Haley Sacks? Oh, that's happened.
34:24 Speaker 01 No, I don't like to judge people. I mean, I have been in bad financial straits before. I think for me personally, I would, you know, I love when people take control over their finances. No, you know, so I don't wanna, you don't need to be a points person. You know, that, but you know, if you have your financial house together, that's important for me. I have kids. I want someone who has their, you know, financial life together. But more important than financially, just like I want someone who's fun and is a good traveler. I've dated people who are, have fear of flying and that just doesn't work unfortunately.
34:59 Haley Sacks? Should you add your girlfriend or boyfriend to your card?
35:01 Speaker 01 There are pluses and minuses to this. The plus side is if you have good credit, you can help your partner get good credit. But you also are responsible for everything they do. So if you add someone for good credit, what I recommend is you can give them a line on yours, but then put their spending down to $1. So they can't spend on your card, but just note if they start getting horrible credit, it could impact you. Most of the time, the credit card companies, they don't take, they only give the good credit. But if you see your score going down, you can always take them off. But in general, you know, that's a, I will just say, once you get married, go to two-player mode where don't have the same credit card as your partner. Get different ones. You guys are maximizing different currencies, sign up bonuses. Don't be an additional user.
35:45 Haley Sacks? Yeah.
35:46 Speaker 01 Because you're really limiting the amount of points you could bring in instead of having two players, each having their own strategy.
35:51 Haley Sacks? That's a really good, really good tip.
35:56 Haley Sacks? And you have kids too. Like a lot of people put their kids on their cards super young so that they will, when they're 18, have this long credit history. Have you done that?
36:05 Speaker 01 So I haven't done it yet. I think some credit cards won't let you do it till they're 16. I think, you know, when the day comes, I would do that. But I think what's more important than credit cards is starting to invest for your kids very early.
36:18 Haley Sacks? We're all about that.
36:19 Speaker 01 So that's where I would say focus most, you know, your kids, if you have good credit yourself, just teach your kids good credit habits. My parents are amazing. We didn't really talk about finances much. I'm not blaming my idiotic actions in college on my parents, but I do wish there was a lot more, you know, we didn't have podcasts at all when I was, when I was a little kid. So I'm not worried about my kids understanding finances.
36:41 Haley Sacks? Yeah.
36:41 Speaker 01 Because my favorite thing my parents ever did for me was made me hustle. And I know my kids are growing up in a much more, you know, privileged lifestyle than I have, but I'm gonna assuredly make sure that they have those same values because if
36:55 Haley Sacks? Yeah.
36:55 Speaker 01 you go through life.
36:56 Haley Sacks? I feel like you're like shocked. You're like, my money is my money. You have to figure out your own money.
37:01 Speaker 01 Oh, no, we're spending my money. I joke with my kids. They don't really understand what I'm saying. I was like, do you want to go to Antarctica or do you want to trust fund? And they're like, Antarctica. You know, I
37:10 Haley Sacks? You got consent.
37:11 Speaker 01 But I'm not living my life to squirrel away money for my kids to spend. No, like, the joy of my life has been figuring it out from payday loans to becoming a credit card expert and selling businesses and investing in them. Like, that to me is, now, it may not be the same for my kids, but like, they for sure will have a work ethic.
37:31 Haley Sacks? Love that. What does the perfect wallet look like? So like a capsule wallet, if you will. So give us your everyday card, your travel card, your eating out card, maybe a cash back card, and then that beginner card. So if you have no credit, then you can then like earn your credit.
37:47 Speaker 01 Yeah, so
37:48 Haley Sacks? Build our perfect wallet, Brian.
37:49 Speaker 01 Card. So if you're starting from scratch, bad credit, get a secured card, six months of spending, paying it off on time, you'll be shocked at how much your score will go up.
37:56 Haley Sacks? It's crazy.
37:57 Speaker 01 From that point on, you will get an intro, no annual fee card. I love the Freedom Unlimited. You start with the Freedom Unlimited because that opens you up into the Chase ecosystem. And then once your score keeps going up and you have a good relationship with Chase, you get the Sapphire Preferred, or you maybe even just goes directly to a Reserve card, which I personally love. I do think Amex is an excellent company. You want to have an Amex card. Amex Gold is a no brainer.
38:20 Haley Sacks? For eating out.
38:21 Speaker 01 Yeah, eating out is your Amex and groceries. Amex Gold, no brainer. Capital One Venture for your everyday, two miles on everything. That's $95. I do recommend just going to the Venture X at $3.95,
38:33 Haley Sacks? I think we're all getting that after
38:35 Speaker 01 That's your everyday. But let's just say an airline card. I'm gonna go with like getting a, you know, an American Airlines because those miles are really valuable. Also, Alaska Airlines is valuable.
38:46 Haley Sacks? Oh, man, Alaska's so good.
38:47 Speaker 01 Alaska is an amazing loyalty program. It's One World, so it tunes up with a lot. And then, you know,
38:53 Haley Sacks? Stay away from Virgin.
38:55 Speaker 01 Virgin, you know, it's a fine airline, but the program.
38:59 Haley Sacks? It's bad and their website never works.
39:01 Speaker 01 Yeah.
39:02 Haley Sacks? Okay.
39:02 Speaker 01 Oh, and then let's just say, so you don't even want to travel. You want to focus on your financial health in 2026. A city double cash card. It's 2% back when you paid in full every month.
39:11 Haley Sacks? Great.
39:12 Speaker 01 2% is a gold standard in terms of cash back.
39:15 Haley Sacks? Awesome.
39:15 Speaker 01 However, there is, you know, if you are into crypto, you could be getting the, there's a Coinbase card with like 3% back.
39:20 Haley Sacks? Yeah, that's they're doing a big bonus.
39:22 Speaker 01 Which actually is a pretty.
39:24 Haley Sacks? Let's have.
39:25 Speaker 01 Compelling offer.
39:26 Haley Sacks? Yeah, it is.
39:26 Speaker 01 So I'm not, I'm actually looking at getting that Coinbase 3% back because I spend a lot.
39:30 Haley Sacks? Mm hmm.
39:31 Speaker 01 You can think about it, you can make money paying taxes because you're getting 3% back and paying 1.89 to pay them. So that's kind of cool to think about making money paying taxes.
39:39 Haley Sacks? Okay, I'm getting it too. Uh, whatever with Brian, I'm like ordering a new card. Okay, one question, people are obsessed with the Amazon Visa card.
39:46 Speaker 01 Yeah.
39:47 Haley Sacks? Because everyone loves.
39:47 Speaker 01 If you spend a lot on Amazon, the Amazon card can be a great deal.
39:53 Haley Sacks? Okay.
39:53 Speaker 01 That's one of your biggest expenses. So bottom line, after this episode, look at what your full spend in, you know, 2025 was. Look at what you spend in every major category. And then you want to align a card, you know, the built cards will be coming out in February. If you're paying rent or mortgage, those could make a lot of sense. So I would hold space potentially for a built card. They will have a no annual fee.
40:15 Haley Sacks? Whoa, okay.
40:18 Haley Sacks? I am, I'm very impressed. You really are the points guy, the penultimate expert.
40:23 Speaker 01 Why not the ultimate?
40:26 Haley Sacks? Okay, the ultimate, the ultimate. I don't know what penultimate means. So I thought it was higher.
40:30 Speaker 01 Yeah.
40:31 Haley Sacks? Okay, so I thought that it was, that it was the double X.
40:34 Speaker 01 No, we can just stay with ultimate.
40:35 Haley Sacks? Okay, ultimate, ultimate, ultimate. Number one, you know, like no, the competition is not even close. Like we've got the master. Okay, so we got the most insane question from the audience. So I need to, it's actually a voicemail.
40:49 Speaker 05 Hi there, uh, my name's Jonah. So I'm thinking about applying for the Chase Sapphire Preferred card because I have some upcoming trips. My only real concern is the signup bonus. Uh, my travel isn't for a while and I'm not sure if I can hit that 4K spending in three months. Or even the 6K requirement in six months. So here's my question. Can I buy gift cards like Costco gift cards since I shop there all the time, uh, to help me reach this minimum requirement? Um, is that allowed or does Chase consider that something against their terms? Worst case, I would try and buy around 6K in Costco gift cards, which would easily last me the whole year of shopping there. Um, is this considered a bad idea or, uh, something people usually do?
41:30 Speaker 01 So this is a great idea in general.
41:32 Haley Sacks? Oh, Jonah!
41:33 Speaker 01 Gift cards do not show up as gift cards. They show up as the merchant. What you can't do is buy money orders or cash equivalents. That's not going to count towards a signup bonus, but, you know, double check the Ts and Cs, but in general, I actually recommend this, you know, with, if you have an Amex Gold card, which is 4X at supermarkets, you know, and at almost every supermarket, you've got your big gift card wall.
41:53 Haley Sacks? Yeah.
41:53 Speaker 01 So this is a great way because we know Amex is 4X at supermarkets. You can buy Uber gift cards and essentially get 4X on your Uber spend by using your Gold card. But if you use an Amex Gold card directly with Uber, you're not going to get 4X. So gift cards, you know, this is a more advanced portion of, uh, this space, but absolutely you can buy gift cards to use in the future to hit a minimum spend. And Jonah, great point in making sure that you can hit the spend. We've talked a lot about these signup bonuses, but many of them require, uh, and as you get higher and higher bonuses, you may have to spend 6K within three months or so. And just to be clear, that starts from the second you're approved. A lot of people think it's the second you activate your card.
42:36 Speaker 01 So if you apply for a credit card and go on a three-week trip, the clock's ticking to hit that spend. And so many, if you don't do it within the rules, you will not get the bonus. So that's heartbreak we want to avoid. Also, the annual fee does not count towards the minimum spend. So do a little bit of research before you start and never bite off more than you can chew. But yes, you can prepay taxes, you can buy gift cards at most retailers and that will count. You will earn traditional points because when you buy it, something from a Costco, it's just going to show as a Costco purchase. It's not going to tell, they don't care what you actually bought.
43:07 Haley Sacks? They're not like doing investigation.
43:09 Speaker 01 Except if it's money orders, those will calculate, you know, uh, ring up differently in the system.
43:15 Haley Sacks? Okay, well, I think that we're all gonna be buying some gift cards then. That's sort of genius.
43:18 Speaker 01 Well, yeah, instead of giving cash for gifts or cash tips, you can, once you become a points person, I know I kind of been contradicting myself because I like to give cash. But in my early hustle days, I never gave cash as a wedding gift or baby shower gift. No, you're gonna get a Bed Bath & Beyond where I got Forex at the grocery store for buying that. So, once you start getting into that points mentality, but, you know, people just be happy they're getting a gift.
43:42 Haley Sacks? You really inspired me. Like, I'm like, I feel like I have good points game, but I'm like, damn, I'm 2026, I'm about to like lock in, like, catch me next year at this time with like 28 cards, just like that day. Okay, watch out, world. It's happening. My goals have so many that I don't remember them all.
44:01 Speaker 01 Yeah.
44:01 Haley Sacks? Just kidding.
44:02 Speaker 01 Well, just remember to pay them all.
44:03 Haley Sacks? I will, I will.
44:04 Speaker 01 Let's end on that good financial wisdom.
44:06 Haley Sacks? And never spend more than you can afford.
44:08 Speaker 01 Amen.
44:08 Haley Sacks? Um, okay, thank you, Brian. Be sure to check out the Points Guy website and follow the Points Guy on Instagram for more. Is there anything that you want to promote?
44:16 Speaker 01 No, just the Points Guy, at the Points Guy on social, and then I'm at Brian Kelly personally, so you can see my personal journey. But, um, yeah, I think there's still a lot of huge deals out there, and I want everyone to be excited about the points game. It is constantly changing, but you absolutely can win at it.
44:33 Haley Sacks? Stay rich. This is a Mrs. Dow Jones production for Sony Music Podcast.
44:41 Speaker 06 When fall comes back around, there's a sense of a reset. And new pieces from Lululemon's Fall Drop are an inspiration to push your goals and elevate your routines. As your calendar fills, easy-to-layer styles meet the demands of your day. And as you challenge yourself to try even more, versatile sets transition with you. The Lululemon Fall Lineup brings new levels of comfort and confidence, whether you're starting something fresh or starting something over. Check out the latest arrivals in store and on lululemon.com now.
Previous How To Get Rich in 2026 Next Viral Fame vs. Actually Making Money ft Track Star's Jack Coyne Page updated October 31, 2026 · transcript and summary are machine-generated