Adulting 101: always have more cash than credit card debt. Stop eating out so much, buying shit you don't need, and paying for your side ho's bad habits...like eating out and retail.
My FIL has that Chase Sapphire Reserve so I've asked him questions about it before. He does say it's a great card. I just don't wanna pay that annual fee lol.
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You're paying for the perks. It sucks but that's the reality
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I love the perks of the Centurion Lounge, honestly that's my end goal lmao.
End of conversation
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