Alicia Kags

The glute relaxation during a meal is now the only dream 🍑

That’s not a vacation. That’s a punishments. Would you all baby-wear for 14 days?

The exact order I’d invest my money to build wealth (starting from $0):

1️⃣ 401(k) match — free money, take it first

2️⃣ Pay off high-interest debt (>6%) + build a 3-6 month emergency fund — stability before risk

3️⃣ Max out your HSA — triple tax advantage, hard to beat

4️⃣ Max out your Roth IRA — tax-free growth for decades

5️⃣ Max out your 401(k) — lower taxes now, compound later

6️⃣ Brokerage account — everything else, full flexibility

Wealth building isn’t about chasing the perfect investment. It’s about putting money into the right accounts, in the right order. 💰

Save this for later 📌

I never thought I’d agree to a $795 annual fee — but when the math works, I happily went for it.

What the fee actually got me:

✨Easier travel days — no more racing the clock trying to time arrival so the kids aren’t too antsy but we’re not sprinting through security
✨Hours saved prepping toddler meals, freezing pouches, and packing snacks for massive travel days
✨A place to actually sit, relax, and let the kids run around instead of hovering by the gate
✨$560/year saved on airport meals (lounge access replaced $40/flight × 14 flights)
✨$300 dining credit + $300 StubHub credit — for things we were already spending on anyway

$1,160 in value. $795 annual fee. We’re still up $365 before a single point gets used.

This isn’t a “get rich” card trick. It’s just math — the same math I use for everything else: make your spending work as hard as you do.

Save this for your next flight-prep spiral. Follow for more on travel, money, and making premium cards actually pay for themselves.