MMuniz
MMuniz
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I Bonds in 2023 - What You NEED To Know
Welcome Everyone!
In today’s video we are going to discuss IBonds and their importance in the investing world today for the average investor. With only a 4.3% return guaranteed for 6 months, are these a good option to hold cash? Watch the video and find out! Let me know any questions/ concerns in the comments below.
Time Codes:
0:00 - Intro
1:00 - What is an IBOND
5:46 - Interest Examples
8:14 - My personal opinion
My Email for Business Inquiries:
MMunizBOG@gmail.com
My Finance Instagram - Credit and Investing Education for Everyone
HTTPS:// munizmoneymindset
My personal Instagram - my life outside of UA-cam
matthewdmuniz
Instagram channel/ Photo Album for my 3 beautiful baby girls
the_outnumbereddad
Important links related to video
www.treasurydirect.gov/
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments
Переглядів: 230

Відео

What’s in my Wallet - Summer 2023 Ultimate Dad Edition
Переглядів 2,2 тис.Рік тому
Welcome Everyone! In today’s video we are going to discuss what’s in my wallet as of Summer 2023. It’s interesting because my wallet has changed almost as much as my life has changed in the past 3 years, mostly because of becoming a father to not 1, not 2, but 3 beautiful girls! My focus has changed from traveling solo, traveling with my girlfriend/ fiance/ and now wife, to buying groceries, di...
Does IDVO Deserve a Spot in YOUR Portfolio? Diversify with International Exposure
Переглядів 174Рік тому
Welcome Everyone! In today’s video we are going to discuss the international income ETF IDVO. This comes from the same company that provides us with my personal favorite income ETF, DIVO. There are many similarities between these actively managed funds, mostly in the way they use tactical covered call options in order to generate income on a monthly basis for investors. Let me know any question...
How to Choose Your Next Credit Card - The BEST Card for YOU
Переглядів 98Рік тому
Welcome Everyone! In today’s video we are going to discuss the step by step process I go through when looking at new credit opportunities. I am constantly on the lookout for anything that can provide more value for my family, and these are the exact questions I ask myself when going through this process. I’ve done this for family members, even my wife… Now you guys can take advantage of the eas...
Top 5 Vanguard ETFs to Buy and Hold Forever
Переглядів 346Рік тому
Welcome Everyone! In today’s video we are going to discuss the top 5 Vanguard ETFs for Long Term Growth in investing. Whether you choose to hold 1, 2, or all 5 of these funds, you will be building a solid investment foundation to any portfolio through the low cost and diversified offerings they provide. We will be giving brief overviews of VT/VTI, VGT, VUG, VBK, and the one nobody can ever forg...
Will SCHD Continue to UNDERPERFORM in 2023?
Переглядів 11 тис.Рік тому
Welcome Everyone! In today’s video we are going to discuss the extremely popular dividend ETF SCHD. This ETF has a large following like many other areas in finance, but for good reason. In the past decade it has matched, and even sometimes outperformed the investment standard, S&P500. However, in the past year, and especially in the beginning of 2023… SCHD is severely underperforming not only t...
The Ultimate Home Gym Flooring Guide in 2023 - Stall Mat Tips & Tricks
Переглядів 6 тис.Рік тому
Welcome Everyone! In today’s video we are going to discuss garage gym/ barn gym/ home gym flooring options. I did a video in the past on this and it was a huge hit, so I wanted to make a higher quality video, with a bit more in depth tips and tricks. These are things that I myself have researched, done, and found to be extremely useful when kitting out my personal barn gym. I’ll go over the mos...
How to Stop Paying Taxes and Grow a Million Dollar Account - The IRS Hates This
Переглядів 184Рік тому
Welcome Everyone! In today’s video we are going to discuss the number one investment account you can take advantage of in 2023. The HSA (Health Savings Account). In 2021, only 9% of people with an HSA actually invested the funds inside them, which is a crucial mistake and can cost you hundreds of thousands of dollars in a lifetime. Check out the video to learn more, and leave any questions/ com...
6% Risk Free Cash Returns in Spring 2023… Where and How is this Possible?
Переглядів 323Рік тому
Welcome Everyone! In today’s video we are going to discuss the three options for risk free (or as close to it as possible) high returns in April of 2023. The three options range from highly liquid like money market funds and high yield savings accounts, to Certificates of Deposit that have maturity dates up to two years in the future. I’ll give a breakdown of the pros and cons of each option, a...
ETFs vs Mutual Funds (Which One is Best?)
Переглядів 159Рік тому
Welcome Everyone! In today’s video we are going to discuss the similarities and differences between mutual funds and ETFs. Both ETFs and Mutual Funds are fantastic ways to invest long term for the future, While I may have my own preference on which one the average joe should own, at the end of the day it is up to you to make the decision that is best for you and your family. Let me know your qu...
The Best Credit Card Duo in 2023… The Chase Sapphire Preferred and the Chase Freedom Unlimited
Переглядів 535Рік тому
The Best Credit Card Duo in 2023… The Chase Sapphire Preferred and the Chase Freedom Unlimited Time Codes: 0:00 - Intro 01:05 - Chase Freedom Unlimited 03:43 - Chase Sapphire Preferred 06:58 - Why the Combo Welcome Everyone! In today’s video we are going to discuss the perfect duo of credit cards that manages a balance between ease of use, along with maximum value and return for all of your exp...
MMuniz Family and Channel Update 2023
Переглядів 162Рік тому
Welcome Everyone! In today’s video I am going to give a quick overview of why I have been MIA for a couple of weeks. My normal goal is to post one video a week, typically on Thursdays… However, things have changed recently and I will need to amend this schedule for the time being. We have added two beautiful, healthy, baby girls to our family! Earn $200 cash back with Chase Freedom Unlimited or...
The 5 BEST Credit Cards in 2023 for FREE MONEY - EASY Signup Bonuses/ No Annual Fees
Переглядів 222Рік тому
Time Codes: 0:00 - Intro 1:50 - Cards 1 & 2 = Chase Freedom Unlimited and Freedom Flex 4:53 - Card 3 = Capital One Quicksilver 7:21 - Card 4 = Wells Fargo Active Cash 9:07 - Card 5 = Citi Custom Cash Card Welcome Everyone! In today’s video we are going to discuss 5 No Annual Fee credit cards in 2023 that have the EASIEST Signup Bonuses. Basically, if you don’t have all of these 5 cards, these a...
The Ultimate 3 ETF Passive Income Portfolio for 2023 - JEPQ, SCHD, and DIVO
Переглядів 1,8 тис.Рік тому
Time Codes: 0:00 - Intro 2:04 - DIVO 3:06 - JEPQ 4:33 - SCHD 6:03 - How does portfolio provide capital appreciation and high income? 7:34 - How does the portfolio reduce volatility / diversify across sectors 8:55 - Who is this portfolio for Welcome Everyone! In today’s video we are going to discuss what I consider to be one of my favorite trios of ETFs in terms of a diversified portfolio that o...
5 Things You Need to Know about the Wells Fargo Active Cash & Autograph Cards
Переглядів 4,2 тис.Рік тому
Time Codes: 0:00 - Intro 1:39 - Issue 1: No consistency with Reward Timing 3:06 - Issue 2 : Rewards Platform User Interface 4:03 - Issue 3: No transferring to Travel Partners 5:15 - Issue 4: Redeeming Points Restrictions and Minimums 7:40 - Issue 5: Poor Customer Service 9:18 - Final notes Welcome Everyone! In today’s video we are going to discuss 5 issues I feel everyone needs to be aware of w...
The Simple 5 Step Investing Guide for 2023
Переглядів 131Рік тому
The Simple 5 Step Investing Guide for 2023
This Income ETF has Outperformed QYLD for almost 10 YEARS, yet I Won’t Buy it in 2023... WHY?
Переглядів 815Рік тому
This Income ETF has Outperformed QYLD for almost 10 YEARS, yet I Won’t Buy it in 2023... WHY?
Doubling Down on DIVO ETF in 2023 - Why it Continues to Outperform
Переглядів 3,6 тис.Рік тому
Doubling Down on DIVO ETF in 2023 - Why it Continues to Outperform
QYLD - Overrated or Misunderstood? What Investors Need to Know…
Переглядів 3,2 тис.Рік тому
QYLD - Overrated or Misunderstood? What Investors Need to Know…
Which 2% Cash Back Credit Card is Best for 2023? Wells Fargo Active Cash vs. Citi Double Cash
Переглядів 377Рік тому
Which 2% Cash Back Credit Card is Best for 2023? Wells Fargo Active Cash vs. Citi Double Cash
Which Weight Plates or Bumper Plates for your 2023 HOME GYM?
Переглядів 533Рік тому
Which Weight Plates or Bumper Plates for your 2023 HOME GYM?
How to Invest for Your Kids - Prepare their Financial Future at a Young Age!
Переглядів 146Рік тому
How to Invest for Your Kids - Prepare their Financial Future at a Young Age!
Best Bank Accounts 2022 - Make Your Money Go Further!
Переглядів 153Рік тому
Best Bank Accounts 2022 - Make Your Money Go Further!
Home Gym Tour - Fall 2022 - Barn of Gains Update!
Переглядів 3,7 тис.Рік тому
Home Gym Tour - Fall 2022 - Barn of Gains Update!
The Traditional IRA - Tips/Benefits that Most People Don’t Know
Переглядів 109Рік тому
The Traditional IRA - Tips/Benefits that Most People Don’t Know
5 Quick Ways to Boost Your Credit Score ASAP
Переглядів 50Рік тому
5 Quick Ways to Boost Your Credit Score ASAP
Big Changes for Retirement Plans and Taxes in 2023 - What to Know/ Plan
Переглядів 520Рік тому
Big Changes for Retirement Plans and Taxes in 2023 - What to Know/ Plan
AMEX Blue Cash Preferred Card in 2022 - American Express Card Review
Переглядів 295Рік тому
AMEX Blue Cash Preferred Card in 2022 - American Express Card Review
2022 Basement Office/Studio Tour - How I Saved Over $5000
Переглядів 118Рік тому
2022 Basement Office/Studio Tour - How I Saved Over $5000
Is it Time to SELL QYLD? Going to ZERO?
Переглядів 1,1 тис.Рік тому
Is it Time to SELL QYLD? Going to ZERO?

КОМЕНТАРІ

  • @steven3517
    @steven3517 День тому

    Looks matter to me too but differently,I didn't need "the top name" in fitness but did buy things unnecessarily just for looks..I bought a body solid rower and thought how cool some big ass recycled bumper weights would look on it,like a bat cycle lmao. I cant wait to see them on it..

  • @boxelder9167
    @boxelder9167 16 днів тому

    I worked at a gym once upon a time and found that Murphy’s Oil Soap made them look like new and made them easier to clean. Also break parts cleaner gets the gum off especially if you really do work at a gym.

    • @MMuniz
      @MMuniz 10 днів тому

      I’m going to buy some, great idea!

    • @boxelder9167
      @boxelder9167 9 днів тому

      @@MMuniz - Clean it with a regular old school mop with just a little bit of oil soap to help the mop slide over it. Then come back with very little water and more oil soap after you already washed it. That will leave the film of oil soap. Then just mop with the oil soap after that. The oil soap builds up in the mat leaving a somewhat shiny finish that is not slick. I would hit the mats with a mop every other day but that would be after 100 people had used it. Gym membership increased because people liked the mats weren’t nasty looking.

    • @MMuniz
      @MMuniz 9 днів тому

      Oh yeah I can imagine. I’ve been members to quite a few gyms and honestly the cleanliness was always a concern. It was kind of crazy to me. That’s pretty cool. I imagine you own your own box or did at one time?

    • @boxelder9167
      @boxelder9167 9 днів тому

      @@MMuniz - I just needed a day job that kept me in shape and gave me a mental break from the book I was writing so I took a job at a gym. It was frustrating because they kept saying that they were losing money but working there I found out from the customers what the problems were and from the other employees. It was two large gyms that were the size of a shopping mall. Before long I had figured out how to make the whole thing work more smoothly and eliminate the major losses. I went to management to pitch them a deal to hire on as a consultant instead. They laughed at me and hired an expensive firm that charged them 10 times more than I was asking and they only told them half the information I found. I got disgusted and I quit. I left and started a construction business.

    • @boxelder9167
      @boxelder9167 9 днів тому

      @@MMuniz - UA-cam censors over half my comments so see if this makes it through

  • @jont5320
    @jont5320 24 дні тому

    What do you think about the 1/2" version of the rubber mats from TSC instead of the 3/4" for wood floors? Not lifting 500 lbs anytime soon 😂

    • @MMuniz
      @MMuniz 10 днів тому

      That’s a good question. I’ve always defaulted to 3/4 because of the 4x6 footprint and price but I don’t see why not. Especially if not dropping weights

  • @tblade_org
    @tblade_org Місяць тому

    Great video!

    • @MMuniz
      @MMuniz 10 днів тому

      Thanks t blade!

  • @HomeGymAustralia
    @HomeGymAustralia Місяць тому

    Nice work, I reckon a functional trainer would do great.

  • @squirts1
    @squirts1 3 місяці тому

    Couple things... First: another option instead of "stall mat grips." are "panel carrier" handles. Same concept, but sometimes cheaper and more useful for other things as well (like moving plywood). Second: be careful folding or rolling up the mats. They can split/crack if you make too tight a bend. Oh, and 2x4s are rarely straight. Use an actual straight edge or a long level or snap a chalk line etc...

    • @MMuniz
      @MMuniz 3 місяці тому

      Chalk line im definitely a fan of, I didn’t even think of that! And wow, I’ve never heard of panel carrier handles but also a great idea. Thank you for sharing!

  • @BreadAndGatorade
    @BreadAndGatorade 5 місяців тому

    Best thing I learned is buy all the mats you need at once and do same day delivery. Tractor Supply only charged me $70 to deliver 30 mats. Insanely good deal.

    • @MMuniz
      @MMuniz 4 місяці тому

      Now that’s a fantastic deal! 30 mats is quite a nice size… sounds like you will have quite the gym!

    • @grantwillings8091
      @grantwillings8091 11 днів тому

      As much as they weigh, yes.

  • @samkrumme4582
    @samkrumme4582 5 місяців тому

    Im avtually in a apartment but living here for awhile. Wonderig if the stall mats will be fine smell wise.

    • @MMuniz
      @MMuniz 5 місяців тому

      If it’s a small apartment all on one floor I wouldn’t recommend the stall mats. Even after sitting for some Time there will still be a light odor that could be annoying if it’s in your living area.

  • @tallndorky
    @tallndorky 5 місяців тому

    I just got my mats this weekend from Tractor Supply. They had smooth 3x4’ mats, but it was cheaper to get the 4x6’ mats, but the 4x6’ mats have a “pebble” surface. I feel like the tape won’t stick nearly as well…so I’m going to try the method where you screw corners of the mats into the concrete and use a spacer ring to keep the screw from going all the way through the mat.

  • @NeverScaredNeverQuit
    @NeverScaredNeverQuit 6 місяців тому

    great knowledge!

    • @MMuniz
      @MMuniz 5 місяців тому

      Thank you!

  • @rambosidi7634
    @rambosidi7634 7 місяців тому

    Yep

  • @johnfern
    @johnfern 9 місяців тому

    We just got the active cash card, and after a few transactions, I didn't see any activity on the account. I checked the next day with the same results. I called WF and they told me that the transactions were there but pending. I said that is fine, but I would like to see that in my account. After 3 more operators, they sent me to tech support who explained that if I go to the transactions pending, and click on the plus sign next to it, my pending transactions worked. I felt like a dope at that point but was happy it was resolved. I just wish the first operator would have asked me to check that. Plus, the tech support was quite rude and I felt like she was mad at me. Thanks for the video!

    • @MMuniz
      @MMuniz 9 місяців тому

      Hahaha exactly the same experience I’ve had! Sometimes stuff just isn’t as easy as it might seem. But easy or not their customer service could do so much better to help us in times like that.

  • @JonathanCodes-ol1cm
    @JonathanCodes-ol1cm 10 місяців тому

    Would you recommend horse stall mats for carpet floors as well? Should I put plywood on top of the carpet first and then the rubber mats, or is just rubber mats enough?

    • @MMuniz
      @MMuniz 10 місяців тому

      Hmmm tbh if the gym is doing to be there a while, I would remove the carpet and put the mats on the subfloor. The mats will destroy the carpet overtime leaving black residue. Plus, below the carpet is the subfloor which is your plywood

  • @MissEnglish123
    @MissEnglish123 10 місяців тому

    I have the active cash, good card, I’m just maxed out right now so I can’t use it much

    • @MMuniz
      @MMuniz 10 місяців тому

      Ya it’s one of my favorite cards still, just easy to use and a great 2% return.

  • @davidgallimore9656
    @davidgallimore9656 10 місяців тому

    I am really getting scared about my M1 account that I opened based on your professional financial advice. They are forcing me to close my checking account plus they have been giving me 0% interest when they are getting 5.3%+ on the back side with my money. Can I get my most money back?

    • @MMuniz
      @MMuniz 10 місяців тому

      Hey Dave, not sure what you mean, I still use M1 and haven’t had any issues. I’m not familiar with their checking… I only use the investment platform. I’m not a professional financial advisor either fyi lol. I just give my opinions. If I’m looking for a place to keep cash I use a big bank (I use chase checking) but I keep most of my cash above monthly expenses in a mix of Ally HYSA and fidelity SPAXX core fund (5%)

  • @snprmilitary
    @snprmilitary 10 місяців тому

    can I put divo in my taxable acct or is it taxed like JEPI?

    • @MMuniz
      @MMuniz 10 місяців тому

      Taxed similar to JEPi. Very similar strategies. You can have it in a taxable account and it will have a portion of the dividends paid as qualified… but the rest, from options premiums - will be taxed as OI

  • @rickhawkins7180
    @rickhawkins7180 10 місяців тому

    What about the smell? How do you get the smell out?

    • @MMuniz
      @MMuniz 10 місяців тому

      Let them air out for a few days , sitting on 2x4s to let air go above and below them. This helps a ton. Then if needed use simple green to scrub them top and bottom. But honestly after they air out for a few days it goes away.

  • @flashzoe
    @flashzoe 10 місяців тому

    I just mop the floor every two weeks

    • @MMuniz
      @MMuniz 10 місяців тому

      Nothing wrong with this. I’ve got a mop Ready to go as well. Typically once in spring and once in autumn

  • @KillyWildlands
    @KillyWildlands 10 місяців тому

    What do you think about divo 15 years hold?

    • @MMuniz
      @MMuniz 10 місяців тому

      Love it. Haven’t sold a single share and continue to buy every month

    • @KillyWildlands
      @KillyWildlands 10 місяців тому

      @@MMuniz i just hope it can keep its price or steady increase

    • @MMuniz
      @MMuniz 10 місяців тому

      @@KillyWildlands it seems to be staying steady/ increasing over time. Plus with its strategy there is no cap on growth, since covered calls aren’t written on the entire portfolio. I wouldn’t put my life savings in it but I think it deserves a position in my personal portfolio.

  • @Seoulsearch616
    @Seoulsearch616 10 місяців тому

    Very helpful, thank you!! 🙂

    • @MMuniz
      @MMuniz 10 місяців тому

      No problem! You seemed like you had a good understanding before the video also haha

    • @Seoulsearch616
      @Seoulsearch616 10 місяців тому

      @@MMuniz I appreciate that. My thought is that when it comes to investing, it never hurts to learn the same things from different sources! There is just so much to try to figure out. 😳 Thanks again!

  • @VattanaThach
    @VattanaThach 11 місяців тому

    Groceries: I've been rocking the... AAA Daily Advantage (No Annual Fee) 5% cash back up to $10K spend per year + No Foreign Transaction Fee Visa Signature. That may interest you. I'm also glad you brought up the Best Buy card. Very underrated card with crazy earning potential.

  • @JBR7655
    @JBR7655 11 місяців тому

    Credit card rewards should not be delayed period. I will get my $200 for opening the account, and pay my bill and close the account.

    • @MMuniz
      @MMuniz 11 місяців тому

      Lol nothing wrong with this! Just ensure that there isn’t a 6 month limit or something where they will charge the rewards back. I don’t believe there are… but you never know.

  • @rapetiSan
    @rapetiSan 11 місяців тому

    Too much talking

    • @MMuniz
      @MMuniz 11 місяців тому

      😂

  • @arceliahernandez1329
    @arceliahernandez1329 Рік тому

    Thank you for the video this was the most informative for beginers, ill get the costco for gas and no foreign fee

    • @MMuniz
      @MMuniz Рік тому

      No problem! Thank you for the nice compliment and enjoy!

  • @colin5810
    @colin5810 Рік тому

    😏 'Promo SM'

  • @dmmm4897
    @dmmm4897 Рік тому

    Great video. Love SPAXX. No IBonds at this time.

    • @MMuniz
      @MMuniz Рік тому

      SPAxx is king currently

  • @jcorcoran6686
    @jcorcoran6686 Рік тому

    zoom in zoom out too cute

  • @OroborusFMA
    @OroborusFMA Рік тому

    I purchased two 10k I-Bonds when the interest was 7.12%. This was followed by that 9.62% rate and then 6.48%. But that 4.30% is only for new bonds because part of that is a new .90% fixed rate that only applies to new bond purchases. I'm only making 3.38%. But when you consider that I'm making 6.65% over two years and no state and local taxes it's worth holding for now. If the new rate in November is horrible I'll wait three months and then cash out.

    • @MMuniz
      @MMuniz Рік тому

      Very true and I should have clarified on the fixed rate more specifically about buying in now. If you got in at 7.12 you timed it perfectly! Thank you for sharing.

  • @Seoulsearch616
    @Seoulsearch616 Рік тому

    Thx for the great info! Hope things are going ok. 🙂

    • @MMuniz
      @MMuniz Рік тому

      House is chaos as always lol, but other than that life is great, hope you are doing well also!

  • @movimientofire
    @movimientofire Рік тому

    Bonds are complicated subject. Are they taxed, in federal or state?

    • @movimientofire
      @movimientofire Рік тому

      Ok, I asked while watching the video. You did addressed it.

    • @MMuniz
      @MMuniz Рік тому

      No problem! If used for education you can get away with no taxes 😎

  • @movimientofire
    @movimientofire Рік тому

    First!

  • @vickiarnold7300
    @vickiarnold7300 Рік тому

    Chase freedom flex is 5 percent on gas July 1- September 30 if you activate

    • @MMuniz
      @MMuniz Рік тому

      Yep already on it!!!

  • @krakhour2
    @krakhour2 Рік тому

    Just picked up more MOAT, JEPQ, CSX.

    • @MMuniz
      @MMuniz Рік тому

      I’ve been buying a tiny bit of JEPi/JEPQ in a tax advantaged account, it’s just a slice of my m1 pie

  • @krakhour2
    @krakhour2 Рік тому

    done with home gym. been going to planet fitness . Cost is high for my home gym. Treadmill warranty is 170 a year.

    • @krakhour2
      @krakhour2 Рік тому

      also it takes repairmen a week to come out and he only fixes the minimum so your always running on a half fixed machine

    • @MMuniz
      @MMuniz Рік тому

      I feel like with your name cbfitrunner you probably put a ton of time on the treadmill so this makes sense. Probably would get way more wear and tear from you vs someone like me who runs on occasion.

  • @callmeNeno
    @callmeNeno Рік тому

    My favorite cards right now: Amex Blue Cash preferred, Bilt World MasterCard, Verizon Visa Signature and NFCU Flagship Visa for 2% catch all card.

    • @MMuniz
      @MMuniz Рік тому

      My dad is #1 fan of Verizon visa signature lol! Bilt I’ve heard great things but haven’t researched myself. Going to look into it now. Thanks for sharing!

  • @callmeNeno
    @callmeNeno Рік тому

    Amex Blue Cash Preferred is phenomenal and very underrated. The card codes 6% with Apple services payment fantastic

    • @MMuniz
      @MMuniz Рік тому

      One of my favorites as well, didn’t know this. Thank you for sharing!

  • @OfficialChadsMoneyMinutes

    Love your thought process, that dad life really makes you think about things from different angles! New sub here!

    • @MMuniz
      @MMuniz Рік тому

      Thanks chad! Looking forward to checking out your content as well. Very interested in the airlines card titled one as I’m leaning towards getting one end of year but am not 100% sure yet.

    • @OfficialChadsMoneyMinutes
      @OfficialChadsMoneyMinutes Рік тому

      @@MMuniz thanks! And BTW HAPPY FATHERS DAY!

  • @sterlingjones4108
    @sterlingjones4108 Рік тому

    I’m team cashback! Love the video!

    • @MMuniz
      @MMuniz Рік тому

      Heck ya! Thank you!!

  • @colinmontgomery645
    @colinmontgomery645 Рік тому

    I can’t believe you betrayed me twice in this video…

    • @MMuniz
      @MMuniz Рік тому

      😂😂😂. Never betrayed. Proud of my bro in law

  • @CesarJoel
    @CesarJoel Рік тому

    Great cards! I’m team travel but is always a good idea to have $0 annual fee cash back cards as a backup in case your priorities change. Great video and information! 🫡🇵🇷

    • @MMuniz
      @MMuniz Рік тому

      Thanks for the compliments 😎. I’m looking forward to moving back to team travel in a few years, but for now I just can’t make it work. Luckily there are credit cards for everyone👍🏼

    • @OfficialChadsMoneyMinutes
      @OfficialChadsMoneyMinutes Рік тому

      Yo Cesar I just found this channel and your right the info is solid!

    • @CesarJoel
      @CesarJoel Рік тому

      @@OfficialChadsMoneyMinutes happy Father’s Day Chad! Yes great info!

    • @CesarJoel
      @CesarJoel Рік тому

      @@MMuniz happy Father’s Day!

    • @OfficialChadsMoneyMinutes
      @OfficialChadsMoneyMinutes Рік тому

      @@CesarJoel same to you

  • @dereksantillan9352
    @dereksantillan9352 Рік тому

    Love the chart at the end, like a doug score but for gym related stuff 🫶😎

    • @MMuniz
      @MMuniz Рік тому

      Hahah I never thought of that, I love the doug score!!!! Such a good content creator.

  • @tarrius1210
    @tarrius1210 Рік тому

    TeamCashback is very underrated. Great video!

    • @MMuniz
      @MMuniz Рік тому

      Agreed, I honestly feel like it’s a better fit for most people as well. Thanks for the comment!

  • @movimientofire
    @movimientofire Рік тому

    Doe the VENMO thing still works?

    • @MMuniz
      @MMuniz Рік тому

      For signup bonuses? Yes to my knowledge. I have done this in the past. You have to make sure you do the math though to make sure it’s worth it.

  • @movimientofire
    @movimientofire Рік тому

    Is mint still a thing?

    • @MMuniz
      @MMuniz Рік тому

      Mint app is amazing. I look at it daily

  • @movimientofire
    @movimientofire Рік тому

    Im watching science.

  • @movimientofire
    @movimientofire Рік тому

    Damn son you were strong here.

    • @MMuniz
      @MMuniz Рік тому

      Lmao thank you! Was a good year for sure!

  • @averageperson2659
    @averageperson2659 Рік тому

    Let’s avoid Target 🙃

  • @citizenoftheyearCC
    @citizenoftheyearCC Рік тому

    I am not getting the Target card now.

    • @MMuniz
      @MMuniz Рік тому

      Or the southwest! Hahaha

  • @krakhour2
    @krakhour2 Рік тому

    Dave Ramsey guy. Dont mess with the bull. Might get the horns. People always think they can handle things that can bite.But one bad month or set back then your debt can gain exponentially.

    • @krakhour2
      @krakhour2 Рік тому

      Have a emergency account. Then maybe after that you can get one favorite card and pay it off

    • @MMuniz
      @MMuniz Рік тому

      Ramsey is super successful, so can’t argue his preachings. However I think some of them are a bit too conservative especially in regards to leveraging debt

    • @scarling9367
      @scarling9367 Рік тому

      That literally applies to everyone. One or two big emergencies and you'll be in a bad place. Cash or credit.

    • @MMuniz
      @MMuniz Рік тому

      @@scarling9367 lol This is true as well. Sadly a lot of Americans don’t even have an emergency fund nowadays.

    • @scarling9367
      @scarling9367 Рік тому

      @@MMuniz I was one of them up until 2-3 years ago. I had plenty of money in checking, but I found that it also lends a tacit approval to overspend. It's why I don't buy into the overspending arguement of credit cards, because I fell into the same trap with debit/ checking.

  • @dmmm4897
    @dmmm4897 Рік тому

    Great video. I can’t believe you don’t mention the best card ever. The Verizon Visa. 4% groceries, 3% gas, 2% Verizon, 1% everywhere else and the biggest benefit is we get $50 off for 5 phone lines every month. It’s really best for Verizon customers which is most cell phone users.

    • @MMuniz
      @MMuniz Рік тому

      Lol yes but I’m not a customer of Verizon hahah. This is what’s in my wallet, maybe I’ll do a video of “ What’s in my 50 year old retired dads wallet”

    • @dmmm4897
      @dmmm4897 Рік тому

      @@MMuniz I’ll take the 50 year old! You know I’m going to be 60?

    • @MMuniz
      @MMuniz Рік тому

      @@dmmm4897 or course but you are 50 in my eyes lol

    • @callmeNeno
      @callmeNeno Рік тому

      Verizon Visa Signature is fantastic if you’re a postpaid and FIOS customer.