What if I told you that you could travel the world without maxing out your credit cards?

In this episode, I'm sitting down with Jess from The Sugar Daddy Podcast to talk about something that's been a game changer for me: travel hacking. And no, this isn't some shady scheme. This is about using credit card rewards strategically so you can live your best life without the financial hangover. Jess and her husband run a financial literacy podcast that's all about normalizing money conversations in Black and Brown communities, and she's breaking down exactly how she's been able to travel to places like Aruba without going broke in the process.

WE GET INTO:

• 00:00 Meet Jess from The Sugar Daddy Podcast
• 03:12 Why money is still taboo in Black & Brown communities
• 07:29 The American Dream is dead – now what?
• 15:45 How rich families talk about money differently
• 22:30 Travel hacking 101: The basics
• 28:15 Strategic credit card spending categories
• 35:40 Which credit cards to start with (and avoid)
• 42:20 Credit score mistakes that will tank your strategy
• 49:40 Do you need an emergency fund first?
• 50:32 Getting started: First steps for beginners
• 52:02 Where to find Jess and more travel hacking tips

KEY TAKEAWAYS:

• Money being taboo in our communities is literally keeping us broke – start normalizing financial conversations at home
• Rich families have quarterly money meetings and family investment funds. These tools are accessible to us too
• The old "work 40 years, retire with a pension" model doesn't work anymore – we need new strategies
• Travel hacking works, but ONLY if you can pay off your credit card every month
• You need an emergency fund BEFORE you start travel hacking – life will life
• Start with low annual fee cards like Chase Sapphire or Capital One Venture ($95 or less)
• Close predatory store credit cards immediately if you're not paying them off monthly
• Even small amounts add up – imagine 30 cousins each contributing $150/year to a family investment club
• Use referral links for sign-up bonuses to maximize your points from day one

RESOURCES MENTIONED:

• point.me
• Chase Sapphire Card
• Venture One Card
• American Express Card

CONNECT WITH JESS

• Website
• Instagram ​

TAKE THE NEXT STEP:

• Yo Quiero Dinero Private Membership
• Read my book: Financially Lit
• Leave me a voicemail

This episode of Yo Quiero Dinero was produced by Heart Centered Podcasting.

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