44: What Is Paze? Is It Safe? And the 10x Points Trick

44: What Is Paze? Is It Safe? And the 10x Points Trick

Seven of the biggest U.S. banks quietly built their own digital wallet to rival Apple Pay. If you bank with Chase, Wells Fargo, or Capital One, you're probably already enrolled. It's called Paze, and most people have no clue what it is or whether they should touch it. In this episode, we keep it simple: what Paze actually is, whether it's safe (short answer: yes, and here's why), and the limited-time Chase promo handing out 10x points on purchases you're already making. We cover the fine print (the monthly cap, eligible cards, and how to stack it) so you grab the value without overthinking it. No hype, no finance-bro nonsense. Just whether this thing is worth five minutes of your attention. Subscribe for more money on easy mode. Chapters 00:00 Paze: A New Digital Wallet 00:35 What Paze Actually Is 02:08 Is Paze Safe? 03:45 By Itself, Is Paze Even Worth It? 06:06 The 10x Points Promo (The Reason to Care) 07:48 The Smart Way to Use It 09:50 Homework and Wrap-Up Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now [https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now]  Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt [https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt]

43: The Costco Membership Math Nobody Checks

Most Costco members picked their membership tier at signup and have not looked at it since. That gap has a specific price. This episode introduces the Costco ROI Ladder: three spending tiers that tell you whether the $65 Executive upgrade earns back its cost, and when adding the Costco Anywhere Visa by Citi pushes your return to 4% on warehouse purchases or 5% on Costco Travel. The breakeven is $3,250 in annual qualifying spend. Most households are close enough to that threshold that the math check takes less than twenty minutes. If you have a Costco membership and have never run these numbers, this one gives you a clear answer. Chapters 00:00 Understanding Costco Membership Tiers 01:23 The Breakeven Math 04:45 The Citi Card Layer 07:38 Navigating the Consumer Trap in Costco Rewards 08:09 The Consumer Trap 11:56 Final Thoughts on Costco Membership Strategies Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now [https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now]  Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt [https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt]

42: Is inKind Actually Worth It? The Honest Breakdown

There's a dining app called inKind that gives you up to 25% back on restaurant meals plus regular coupons, and it costs nothing to use. So what's the catch? In this episode, Damien breaks down exactly how inKind works, why the deals are real, and the one question that tells you in three seconds whether it'll save you money or quietly cost you more. You'll learn when it's a genuine win, how it stacks with your dining rewards card, and the two traps (pre-buying credit and expiring cash back) that flip a good app against you. If your favorite restaurant is on the list, this might be the easiest recurring discount in dining. If it's not, you'll know to skip it. Run the Already-Going Test and never overthink a dining deal again. Your Money on Easy Mode: practical financial clarity without the jargon, fluff, or finance-bro nonsense. New episodes weekly. This is not personal financial advice. Chapters 00:00 What is inKind? 00:59 How inKind Works 03:03 When inKind Is Genuinely Smart 04:06 The Already Going Test: Real Savings Explained 06:21 The Two Traps That Cost You Money 08:30 Homework and Final Thoughts

41: You Gave Your Gas App Permission to What?

Your car insurance company wants to watch you drive. But in some cases, the data collection is already happening — through your gas app. In January 2025, the Texas Attorney General sued Allstate and its subsidiary Arity for secretly collecting driving data on forty-five million Americans through apps like Life360 and GasBuddy. No enrollment. No consent. Just code embedded in apps people use for entirely different things. This episode breaks down how auto insurance telematics programs actually work, what the median savings really is, when your rates can go up instead of down, and how to use the Permission-to-Profit Test before agreeing to any monitoring program. If someone in your life is weighing a telematics program, this one gives them the full picture — not just the discount brochure. Chapters 00:00 Your Car Insurer is Watching You Drive 01:54 What Telematics Actually Is 05:09 The Real Math on Savings 08:49 The Data Privacy Scandal 13:37 The Permission to Profit Test 16:59 Surveillance Creep in Consumer Products 19:50 Homework and Wrap-Up Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now [https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now] Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt [https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt]

40: Did You Pick the Wrong CMA? Fidelity vs. Schwab vs. Vanguard

Switching to a brokerage cash account was the right call. Picking the right one is the harder question — and the answer is different depending on how you actually use money. This episode runs the Cash Home Score on Fidelity, Schwab, and Vanguard across yield, access, protection, and integration. Vanguard currently leads on yield at three point three five percent with the strongest FDIC coverage — and no debit card at all. Fidelity wins on features if you set SPAXX as your core position (most people never check this). Schwab wins if Zelle is non-negotiable. Whether you're picking for the first time or reconsidering where you already are, this episode ends with a clear decision framework. Chapters 00:00 Cash Management Accounts Compared 02:03 Yield: What Your Cash Actually Earns 06:33 How Your Cash Is Protected 10:00 The Debit Card Question 13:20 What It's Like to Live in These Accounts 16:59 The Cash Home Score 19:03 But Which Account is Right for You? 20:56 Final Recommendations and Homework Get my free guide to where to spend your next dollar: https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now [https://stan.store/YMOEM/p/get-the-easy-mode-money-ladder-now]  Get my guide on how to destroy your debt: https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt [https://stan.store/YMOEM/p/get-the-easy-mode-guide-to-destroy-your-debt]