Gabriel Marinho

i kinda wish FaceTime had its own wrap and would tell you the people you talked to the most, how much time you spent talking to them and so on

... So I downsized my pile of 24 credit cards to... 11. Yes, 11.

It's still way more than average, but it's a huge step down from where I was.

... The month I realized I wasn’t able to save money, I knew it was time to stop.

Here's my advice for you young people out there: no amount of credit card points is worth paying interest on your balance...

... people creating new credit lines just to enable more spending.

That was never me. From a young age, I was taught to take care of my money. I knew its value, how to budget it, and how to manage it.

But here’s the deal: managing 24 credit cards while staying debt-free is a full-time job...

... I'm not sure if they meant mentally, but I knew most were concerned about my financial health. A fair concern, I’ll say.

Racking up credit card debt is one of the most damaging financial mistakes you can make. And the habit of opening too many credit cards has often been associated with ...

... Each card had unique features that were valuable to me at the time—some for lounge access, others for airline status, travel insurance, and more.

"I have 24 credit cards" became my go-to party trick. People's first reaction was always: "Are you okay?" ...

... From that moment on, I began learning my way through the world of travel, points, and credit cards while writing posts for a massive audience every week. I got my first credit card, then a second, and a third…

And then I ended up with 24.
...

... I started working for the largest points and miles website in LATAM out of a weird McDonald’s in Wellington right after we had just missed our bus up north

I didn't know much about points and miles back then. My only experience was using my dad's points to book him and my mom a trip to Rome...

all my canceled cards

I had 24 credit cards at 24 years old—until it broke me.

Here's why and how I moved away from that.

It all started when I was 18 years old. I had just graduated from high school and was on a backpacking trip around New Zealand with my best friend. In a strange turn of events...

idk how this happened, but i went from “i’ve never flown Air France in my life” on the beginning of the year, to 4 long-haul biz class flights with them so far 😭😭😭