5 years ago I couldn’t wait to finally “make it” and carry the AMEX Platinum in my wallet!

5 years ago I couldn’t wait to finally “make it” and carry the AMEX Platinum in my wallet! Now I can’t wait to become work-optional 😌 It just doesn’t align with what I’m working with right now and that’s ok. #fyp #moneytok #moneymindset #intentionalspending I got pre-approved for declined, and I don't think I'm missing out on anything. This is part 6 of seven FINANCIAL DECISIONS they told me NOT to make. Don't get me wrong, I get the appeal. Airport travel free bags, hotel status. If you travel all the time and you run the numbers, it could very well be an incredible card. But that's never been my strategy. I don't choose credit cards based on the lifestyle I want. I choose them based on the lifestyle I have. I buy groceries, I go out to eat, I buy coffee, I pay for streaming services. So I have credit cards that give me cash back on my highest spending category. I think there's an unspoken idea that once you're self-employed or own a business, you're supposed to have an AMEX Platinum. Personal, business, pick one. But I don't pick credit cards based on successful. I choose credit cards actually based on my situation. So I compared the Platinum perks to my real spending. I flew four times last year, I never paid for lounge access, I usually get to the gate 30 minutes before boarding. So this wouldn't be a perk that incentivize me to get the card. Hotel status, I actually love nice hotels, this the upgrade is on the table, but I don't stay at a lot of the participating hotels enough for that to pay for itself. Uber credit, I check my budget, I spent $47 on Uber last year. Not enough. Saks credit, I spent $0 there. And Clear and Global Entry, nice perks, but I already have TSA pre-check. If I have to change my spending habits to justify the annual fee, it's probably not the right card for me. I'd rather earn cash back on groceries, dining, entertainment, the things I'm already buying every single week. My credit card should fit my budget, not the other way around. I'm anti AMEX Platinum. I'm anti paying for benefits I won't actually use. Just because you can get approved for a credit card doesn't mean you should get it. A lot of people optimize for looking wealthy, becoming wealthy. What financial status have you chosen to skip?