@SpencerJohnsonOfficial 2 ай бұрын
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@TheCreditFrog 2 ай бұрын
Nice Spencer! I’ll also be targeting the Southwest CP for 2025-2026 so we’ll be on that journey together! So happy to hear that you’ve got a travel companion 😉!
@SpencerJohnsonOfficial 2 ай бұрын
Heck yeah dude! Great minds think alike! Super excited to put that thing to use over the coming years.
@JacobsPointsAndProfit 2 ай бұрын
I feel the same way about Chase cards. Those so many good cards and welcome bonuses to get that it’s important for me to be under 5/24 at all times
@SpencerJohnsonOfficial 2 ай бұрын
I'm glad we're on the same page there!!
@bruceedwards3844 2 ай бұрын
This was an excellent video. Keep up the good work.
@SpencerJohnsonOfficial 2 ай бұрын
Thanks so much Bruce!!
@Dankflamio 2 ай бұрын
Can you consider removing the “background music” from your videos in the future? It’s so quiet anyways and I always feel like it is distracting from you. You’re great and don’t need music present. I keep thinking it’s something outside the video. Love the vids other than that. Hopefully it’s not just me that gets bothered by it, it shouldn’t affect the quality of the viewership with it gone I don’t think. Thanks for making these vids!
@SpencerJohnsonOfficial 2 ай бұрын
Thanks so much for the suggestion! I'll definitely experiment with taking that out and see how that's received. I really appreciate you!
@iankm1 2 ай бұрын
You use headphones?
@AboveAllBeOriginal 2 ай бұрын
i honestly never have even heard the music until i read this comment. but also i think it’s a video editing technique too that helps keep the audio feeling smooth and continuous when there are many many cuts
@BestShootermanUbz Ай бұрын
What a strange pet peeve 😂
@AnthonyVenture 2 ай бұрын
Yeahhh mannn, get that ink cash mannnn, 6 months for $6k is so much easier haha. Good stuff Spencer! Great and interesting thoughts on your process for this years RoadMap!
@Clementinee 2 ай бұрын
Anthony Venture faded?
@SpencerJohnsonOfficial 2 ай бұрын
That's the plan brotha man! Glad you enjoyed this one. Thanks for watching as always 🫡
@AnthonyVenture 2 ай бұрын
@@ClementineeHaha neverrrr 😂
@beautyandtheberners Күн бұрын
Had a Bernese Mountain Dog named Odin - best dog ever! And thank you for the helpful info!
@isaacludlow4683 2 ай бұрын
Nice roadmap! I did want to point out that you can actually multiple of the same Ink card under the same identity (ssn or tin). I applied for the CIC back in Oct last year and then again in May of this year. I think the only difference was my credit limit was $1k less on my second application. There's lots of other datapoints out there on Reddit and such too! Definitely makes the Ink Train even more valuable to hop on
@SpencerJohnsonOfficial 2 ай бұрын
Thank you Isaac! And great note there! I just have a weird OCD thing or something where I want to complete the Ink trifecta under both my SSN and LLC before adding multiples of the same within each, but you're 100% right. Thanks for sharing your DP btw!
@isaacludlow4683 2 ай бұрын
@@SpencerJohnsonOfficial ahaha totally get that, gotta keep everything organized and looking pretty!
@antiquehealbot6543 2 ай бұрын
The biggest problem with the roadmap is you'll always find great welcome bonus all the time. And sometimes, it may be more optimal to just apply for the best welcome offer at the given moment.
@SpencerJohnsonOfficial 2 ай бұрын
I see where you're coming from! But I wouldn't necessarily call that a problem with roadmapping considering you still need to have a plan even when those elevated offers come around. Sometimes great opportunities present themselves, but unless you take advantage of them with a plan in mind you could end up shooting yourself in the foot down the line.
@solgershon3419 Ай бұрын
it seems like you want every card out there!
@SpencerJohnsonOfficial Ай бұрын
That’s the goal! 😂😉
@omndrew 2 ай бұрын
Great video! I’m planning on also doing the southwest strategy this year, as you never know if they will nerf it. Also thank you for the spreadsheet it really helps keeps things organized!
@SpencerJohnsonOfficial 2 ай бұрын
I appreciate you! Definitely want to take advantage of that while it's still around. I'm glad you like the spreadsheet too!
@AboveAllBeOriginal 2 ай бұрын
i love this spreadsheet. great update for this series, love it. you’ve always been slightly ahead of me since i started and it’s great to be able to have a guide
@jeff.0-3 2 ай бұрын
Great video Spencer! It's always best to have a strategy in the points and miles game. Congrats on the new gf!
@SpencerJohnsonOfficial 2 ай бұрын
Thank you so much! I'm glad you liked this one 👊🏼
@jimmyjames6492 2 ай бұрын
Nice roadmap! Thanks for the info + video!
@SpencerJohnsonOfficial 2 ай бұрын
Thanks so much brotha!
@candiceabr Ай бұрын
I learned something from Stan that I did not realize: you’re not eligible for a sign up bonus on the Marriott business for two years after the time you receive the bonus from the chase card, not two years after you get the card
@billwright2176 24 күн бұрын
Now that SW will be changing the boarding seat selection I wonder if the card will have a reorganization of benefits.
@L-Man-Gaming 2 ай бұрын
Yeah man just go with the Ink Cash, it’s a no brainer move.
@SpencerJohnsonOfficial 2 ай бұрын
That's the plan brother man! Thanks for being here so early! 🥉
@AlejandroPerez-ef5ez 2 ай бұрын
If you close the southwest cards after 1 year do you still keep companion pass??
@SpencerJohnsonOfficial 2 ай бұрын
I can't say with 100% certainty, but to my understanding, it all just depends on when you earned companion pass which is where that 135k point requirement comes into play. Since you don't need the SW cards to get the companion pass, even if you canceled the cards after achieving it, I assume you'd keep it no problem.
@legendkiller718 2 ай бұрын
Looking forward to the companion pass video. I’m also saving my last 5/24 slot so I can get that buy 1 get 1 pass for me and my fiance for 2 years. In the video can you talk about which combination of cards are optimal? For example, best combo for a maximalist that wants all the benefits like priority boarding, and best combo for lowest annual fee companion pass etc.. Also maybe take about how to continuously alternate getting companion pass between p1 and p2
@SpencerJohnsonOfficial 2 ай бұрын
I love to hear that! I'll definitely be covering that in the companion pass video. It'll probably be a couple months before that one's out since that's more prime companion pass hunting season, but it'll be an in-depth look at the pass so hopefully it'll answer all your questions!
@MontyTheCardNerd 2 ай бұрын
Nice roadmap Spencer, you manage it so well with the detailed spreadsheets so thanks for sharing those. Being at 4/24, I'm also currently focused on Ink cards, but ah some of those elevated bonuses like on the Hilton cards remain tempting.
@SpencerJohnsonOfficial 2 ай бұрын
Thank you Monty! I'm glad you enjoy the way I manage my setup. It takes some work, but it's well worth it! Keep me updated on what cards you decide to go for next!
@brenley 2 ай бұрын
always love these update vids spencer!!!!
@AhmadKhwajazada 2 ай бұрын
Updated roadmap video let’s goooo
@SpencerJohnsonOfficial 2 ай бұрын
Hope you enjoy it brotha! Thanks for jumping in so quick! 🥈
@johnmckinstry6057 2 ай бұрын
Great updated road map, Spencer! I think going after business cards for the remainder of the year is an excellent decision. The cards you have in your roadmap for the near future are good choices. I did see today that there is a rumor going around that Chase may soon offer a 120,000 UR point welcome offer on the Ink Preferred. That will be dope if that happens! In hindsight, I think the fact that I ended up in Amex pop-up jail last summer was a blessing in disguise because it made me decide to garden my Chase 5/24 status. I just got back under 5/24 last month and I was approved for the Chase Sapphire Preferred last week (I did use your link to apply). Now that I'm happy with my Chase setup for now, I'm not as worried about my 5/24. I may try to apply for the Hilton Surpass card next month and then apply for one or two more cards later this year. If I stick with that strategy, I will be back under 5/24 in the early spring of 2025.
@SpencerJohnsonOfficial 2 ай бұрын
Thank you John!! I've been hearing about that rumored offer on the CIP, but I'd still likely have to stretch to hit that spend so I'll probably hold off for now. We'll see though! Congrats on getting back under 5/24 dude, that's a great spot to be in. And thanks so much for using my link for the CSP! That helps me out a ton dude. Keep me updated on what you decide with your next few cards!
@RtheStory3333 2 ай бұрын
Looking tan Spencer!
@SpencerJohnsonOfficial 2 ай бұрын
Thank you brotha!
@Cody.Little 2 ай бұрын
Solid roadmap! I think the ink cash is a no brainer, plus you have 6 months instead of 3. I will say tho, the ink preferred is rumored to have an elevated 120k offer soon but we’ll see. I also plan to get another ink and then after that I’m up in the air… although the southwest CP strat has crossed my mind!
@SpencerJohnsonOfficial 2 ай бұрын
I appreciate you Cody! Completely forgot I have 6 months for that now. That definitely makes it a no-brainer. The Ink Preferred is definitely still an option, especially with an elevated offer, but we'll see about that. Excited to try out some new strats this year though!
@ILoveGrub Ай бұрын
^ Cody is right, ink preferred offer is going up to 120k after the same $8k spend on July 3rd. Referral links should follow soon after that if you have a p2’s referral to use or whatever. Definitely worth considering over the ink cash :) I’m in the same boat, my 3rd ink cash was gonna be my next card but I might for the new ink preferred offer instead
@MattClausen 2 ай бұрын
ABOUT that Ink Preferred.....
@SpencerJohnsonOfficial 2 ай бұрын
Hahah no go or what?
@MattClausen 2 ай бұрын
Oh just the supposedly impending Intro offer of 120k.
@evangibson8020 2 ай бұрын
CSR -> Flex -> Ink -> Ink -> Ink -> Ink -> Ink -> Ink... The best roadmap
@SpencerJohnsonOfficial 2 ай бұрын
Hahah that's my main strategy right there!
@sjg6158 2 ай бұрын
It's all based upon personal finance and your own spending habits, but terrific video. Thank you for this as usual Sir.
@SpencerJohnsonOfficial 2 ай бұрын
Absolutely, I agree! Thanks so much for the kind words man!
@vickiarnold7300 Ай бұрын
Great job on KZfaq ❤
@SpencerJohnsonOfficial Ай бұрын
Thank you Vicki!
@coreyross9881 2 ай бұрын
My roadmap is kinda weird because I’m going to be moving to Japan for work and 5/24 up until right before I move. So I’m relatively stuck for awhile unless I want to ballon up 5/24 for a No FTF set up I will absolutely need.
@SpencerJohnsonOfficial 2 ай бұрын
Well sometimes our strategies have to adapt to our situations, so if you need to bump your 5/24 status up for a while to build up a better setup for you right now, that's completely okay in my opinion.
@eelfood Ай бұрын
Thank you for the spreadsheet ❤
@SpencerJohnsonOfficial Ай бұрын
Of course!
@Officialmilli1 Ай бұрын
it expired can we get a new link
@SpencerJohnsonOfficial Ай бұрын
@@Officialmilli1 It’s still working on my end! Maybe doing it on a laptop will fix that.
@Officialmilli1 Ай бұрын
@@SpencerJohnsonOfficial I will try it again, I was using my desktop but get a “this link has expired “
@Milkinporsche 2 ай бұрын
Companion pass is very important when you have a significant other, Congratulations on that! And does it mean we are getting videos about two player strategies?😂
@SpencerJohnsonOfficial 2 ай бұрын
Thank you so much brotha! 2-player strategy vids will definitely come into play in the future, don't you worry. 😉
@divyv20 2 ай бұрын
Hey Spencer , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?
@ryanmartin7033 2 ай бұрын
Take a shot every time he looks up to the ceiling.
@randomaccount9212 2 ай бұрын
Done! And I’m drunk
@SpencerJohnsonOfficial 2 ай бұрын
🍻
@ryanmartin7033 2 ай бұрын
@SpencerJohnsonOfficial lol...glad you didn't take offense. I do like your content but I get easily distracted by noticing tendencies. Your boy Anthony Venture does it also but adds in a head bob...lol.
@williamfeliciano6003 2 ай бұрын
only reason we dont get south west cards cuz we all single lmaoo
@SpencerJohnsonOfficial 2 ай бұрын
Hahah that's the reason I didn't go for em personally!
@OfficialChadsMoneyMinutes 2 ай бұрын
Save that Hyatt Business card for last trust me….
@SpencerJohnsonOfficial 2 ай бұрын
That's the plan. It's just not enticing enough for me at this stage of the game.
@candiceabr Ай бұрын
I agree! You have to spend huge amounts to make it worthwhile and then chase does not like to give out big credit limits so that doesn’t really match
@willbrewington 2 ай бұрын
Hey guys just wanted some advice. Not really on a roadmap just trying to figure out the best way to maximize the points with the cards I have. I have the CSP and the Amex gold as a duo because I wanted both transfer partners but can’t decide which card I should use for day to day spend or should I bounce back between the two? I obviously use my gold for groceries and dining and my csp for travel and bars but just trying to figure the rest out thanks!
@SpencerJohnsonOfficial 2 ай бұрын
To me, it all depends on what points you use more. For me, I always need more Chase points, hence why I like to default to their cards where it makes sense (especially as it comes to welcome offers). But if you use Amex points a ton, then having a lot of spend on their cards ain't a bad thing!
@willbrewington 2 ай бұрын
@@SpencerJohnsonOfficial okay that makes sense. Thanks for the insight bro and keep it up making the great content!
@TheRatatar 2 ай бұрын
the itch to get more credit cards - just one more 🤙
@SpencerJohnsonOfficial 2 ай бұрын
Haha that's part of the fun as long as you do it responsibly!
@williamfeliciano6003 2 ай бұрын
how much are these calls
@SpencerJohnsonOfficial 2 ай бұрын
It depends on what you need exactly! But it's always linked in my description if you're curious.
@cooperputnam189 2 ай бұрын
Do personal and business chase points pool into one account?
@SpencerJohnsonOfficial 2 ай бұрын
You can use the "combine points" feature through your Chase portal to make that happen! Super simple process.
@MoneyMovesWithDang 2 ай бұрын
hopefully the companion pass welcome offer comes back sometime soon
@SpencerJohnsonOfficial 2 ай бұрын
That'd be pretty sweet!
@rcsuarez1 2 ай бұрын
Will the spreadsheet export/convert to Excel?
@SpencerJohnsonOfficial 2 ай бұрын
You can export it as an Excel once you make a copy in Google Sheets!
@johnytran1856 2 ай бұрын
This guy is a chase guy. Why not get the Capital One Savior One groceries is hella expensive these days
@superxt7219 2 ай бұрын
He has Amex Gold,why savor one lol
@SpencerJohnsonOfficial 2 ай бұрын
You caught me! 😉 To answer your question, I have 14 credit cards right now and have groceries covered at the same rate as the Savor One with at least 2 of my other cards without getting creative so I'm all set without the Savor One for now. I'll likely add it in the future for the welcome offer though!
@druiz012 2 ай бұрын
Ink Cards for sure. Unless youre going to make a serious push for Globalist and put serious spend on that Hyatt business card its really not worth it.. especially when you can earn UR at a higher clip. I just started a new side gig so my next 3 are another set of CIC CIU and CIP! Reffered by my player 2. Its going to Rain UR thisbyear. 😂🎉🎉
@SpencerJohnsonOfficial 2 ай бұрын
That's the plan!! They're just so hard to pass up on. Globalist for me won't come into play for quite some time, so I'm not worried about that Hyatt card rn. I'm stoked for you to get started on the Ink train, especially in that 2-player mode.
@SOXGATORS 2 ай бұрын
😊😊
@SpencerJohnsonOfficial 2 ай бұрын
You're the man!! 👑
@randomaccount9212 2 ай бұрын
Since when you have girlfriend?!? Omg congrats
@SpencerJohnsonOfficial 2 ай бұрын
We just became official pretty recently! Thanks so much for the congrats!
@CesarJoel 2 ай бұрын
Great roadmap and strategy brother!🫵 That Hyatt Business is 🗑️ leave it till you have nothing else to get😂 Thanks for the detailed and useful information hermano! Keep up the great work!💪
@SpencerJohnsonOfficial 2 ай бұрын
Thank you Cesar! It seems like everyone's on the same page with the Hyatt Business card lol. Definitely gonna keep that one on the back burner. Thanks for the support as always man! 🫡
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