My main gripe is I'm running out of 0% APR CC with welcome bonuses to get. Even before getting real money by that method, I was doing that.

See something I need that's pricey, find a CC with a welcome bonus and 0% APR, then find it on sale. Normally I pay the 0% APR off long before the time is up, but the option to pay it off just before interest kicks in is still there. Inflation is eating the bank up not me, and heaven forbid I die...

Always been smart with money, but am a much better buyer than seller. Last two cars were at .9% and 0%, Honda loved my over 800 Credit Score, last Mortgage was a HELOC that started at 2.74% and ended there, but went to 4.24% for 2 years.

I moved abroad and built a house plus lived on savings for 3 years. Then we had to return to the USA and basically start over, and now rent. No need to buy, I have no kids and my wife will go to our house in her country..

I'm no longer interested in piling up wealth, but want a buffer which I have now. Ongoing I want to start enjoying life. Most people pile it up and the Hospital drains you fast or the Nursing home slow. If you want to leave things behind you have to plan for that ahead of time. You can gift certain amounts of wealth to children over time and avoid the taxes.

Everyone that believes in the Q plan should be leveraging their credit, not boasting they don't use credit. If the banks would only loan me a million bucks... Kek