I play the very safe risk-adverse route of maxing employer 401k and contributing to savings account. I’d say I have decent knowledge and experience with saving and budgeting. Fun story to start- In my 20’s, I opened a small investing account to start playing around. Ended up buying stocks on margin (didn’t even know my account had that) and was paying interest on that margin for last 2-3 years 😅😅. Today, I spent 40 minutes on the phone with my mom helping me clean it up. Humbling and only comical because I still made some $$. My goals: work with my husband to build our emergency fund, then start managing additional funds in a smart way. Create big purchase or house project funds so we can achieve it stress free. And everyone’s goal-retire early.

Hi everyone, my name is David Geronaga. I’m based out of Fullerton. I grew up in a community that was not well versed in Credit Card game. My goal is to build my knowledge of credit cards and maximize my points for travel and etc. Thanks for having me