Make plans then figure out how to pay for them. It’s the only way to motivate myself. There is never a surplus
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This explains 80% of the difference between you and me. The other 20% is explained by: you like cults more than jokes, I like jokes more than cults
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Yes.
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I plan and be ready in advance then implement when there's surplus.
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I built up around $250K available on credit cards (opened over 15 years, downgraded high annual fee cards to no fee ones but got to keep limits), and found I could fairly indefinitely shuffle using 0% balance transfers (3% fee) for around $75K. Super cheap capital.
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for me there's not really a lot of investment or overhead in the first place: I'll buy computer gear or tools every so often but they're almost negligible (let's say ROI is 1-2 projects instead of years) what I really ought to be investing in is more travel, which is surplus
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Surplus
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