what's in my wallet as a financially responsible 23 year old

@moneymoveswithlydia

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Why it worked

The video provides high-value, actionable personal finance advice in a concise, listicle format that is easy to consume and highly shareable for a younger demographic interested in credit card optimization.

Summary

The creator reviews the credit cards and debit card she keeps in her wallet, explaining the benefits and rewards of each. She emphasizes her strategy of paying off balances in full every month to maximize financial rewards.

Structure

1Introduction to the wallet contents
2Review of Wells Fargo Active Cash
3Review of Amex Gold and its credits
4Review of Charles Schwab debit card
5Review of Capital One Quicksilver
6Closing advice on paying off balances

On-screen text

what's in my wallet as a financially responsible 23 year old Wells Fargo Active Cash 2% cash back No annual fee Simple rewards Great everyday card Amex Gold 4x on food $120 dining credit Travel points $325 annual fee Charles Schwab Debit No ATM fees Great for travel FDIC insured High-yield cash Capital One Quicksilver 1.5% cash back No annual fee Easy to manage Helps credit history

Original caption

what’s in my wallet as a financially responsible 23 y/o 💳💼#credit #creditcard #creditcardtips #creditcards #amex #PersonalFinance #moneytok

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Transcript

what's in my wallet as a financially responsible 23 year old. first Wells Fargo Active Cash. this is my everyday card it's 2% unlimited on everything no categories no fuss this is literally my go to. next Amex Gold. yes it increased its annual fee from 250 to 325 but hear me out with the 120 dollar Uber cash, 120 dollar dining credit, 84 dollar Dunkin credit and 100 dollar Resy credit that's 424 dollars back in credit. so I'm actually netting positive 99 dollars net every single year. plus I get four times on points for dining and groceries which I use to redeem for flights. for banking I go with Charles Schwab. they don't have foreign ATM fees, they reimburse all ATM fees and they have great customer service. it's really great for travel and peace of mind. last but not least Capital One Quicksilver. my first card one and a half percent cash back, no annual fee. I keep it open for credit history and I mainly use it for backup. I pay all these in full every single month. I don't like carrying balances and I love the financial rewards in them. what's in your wallet?