🎃 why people love pumpkin spice lattes

Published over 1 year ago • 1 min read

Good morning Reader,

Over the weekend, we visited the German Christmas Village in Baltimore. It's one of the best German Christmas markets around and the first time we visited.

It's being sponsored by Chase and at several stalls, you can get 50% off if you use a Chase card.

50%!

I've seen $1 off or $5 off at some stadiums if you use their bank's card (Citi Field in NY does this, so does Capital One Arena in DC), but 50% off? That's pretty insane.

We're slowly accumulating various "holiday traditions" and the Christmas village was a fun one to add to our list.

What are your favorite holiday traditions?

(View this email as a webpage)

🥳 The Psychology of Rituals

I don't like pumpkin flavored things but I have many friends who love them. And several of them mark the start of autumn when Starbucks offers their pumpkin spice lattes. (an aside, did you know you can get unlimited refills on some drinks at Starbucks?)

It's because of how our brain thinks about rituals. Rituals are important in a lot of areas but they can be very important when it comes to our finances.

👉 The Psychology of Rituals

🌓 Quicken Simplifi is 50% off

For a limited time, Quicken Simplifi is 50% off making it just $2.99 a month.

It has a 30 day money back guarantee so you can try it for a month. If you don't like it, you can get a full refund.

Here's our review if you want to learn more:

👉 Read our Quicken Simplifi Review

🤯 $120,000 for a year of cruises?

Virgin Voyages is offering an annual pass that includes all you can sail for you and a guest. (you would still owe taxes and fees on each booking)

You get free laundry too!

Would you do it?

👉Virgin Voyages Annual Pass

What did you think of today's email?
✅ I Loved It! 🟨 It Was Okay ❌ Not My Favorite

Take care!

Jim

PS. It's near the end of the year, here's a list of year end tax moves you should consider.

(see our archive of previous emails)

You signed up for this newsletter via wallethacks.com

We respect you and your attention. If you no longer wish to get emails from us, you can unsubscribe and we will still be friends.

If you like sending gifts, we like getting them here - P.O Box 323, Fulton, MD 20759

Read more from Hi, I'm Jim Wang and I share my strategies and tactics for managing your money and enjoying more out of life.

🤖 interested in more AI & finance content?

Good morning Reader! Question: I've been experimenting with AI (specifically LLMs like Claude and ChatGPT) to analyze my finances. Is that something you'd like me to write more about? If so, what would you want to learn? We're seeing interest rates creep up a few basis points over the last week or so. 12-month CDs that used to be 4.10% APY and now are in the 4.15% or 4.20% range. 🔒 If you use Vanguard, they recently added a way to stop unauthorized ACATS transfers (previously you had to call...

1 day ago • 2 min read

😰 Why the market is up but you feel down

Good morning Reader! It can be confusing to see the stock market at all time highs but not feel like you're doing well. That's because the "stock market" isn't the economy. It's just a collection of publicly traded companies, organized in a way that makes it easy for pundits to talk about. The S&P 500 is up close to 10% and it's mostly because of AI related stocks - tech companies, chips, etc. How much AI related spending have YOU been doing? So the market looks great but the economy might...

9 days ago • 3 min read

🏛️ Rates to go a bit higher soon...

Good morning Reader! Last week, the Fed kept rates steady but they indicated that there was likely to be one rate increase this year. Trump wants rates to go down but the new Fed chair has said "not so fast..." Interest rate traders peg the chances of an increase at the next meeting at 36.3%. If you were hoping for a rate decrease, unfortunately it's not coming unless something significant changes. The 2-year Treasury bond yield is at the highest it's been since early 2025. The 10-year, used...

16 days ago • 3 min read