Referrals

💰Personal Finance: Monarch Money - 50% off first year (I get $50)

https://www.monarchmoney.com/referral/42wuvv3e56?r_source=copy
When Mint was discontinued (why did that have to happen?), although Monarch is a paid service, it is comparable to Mint and more. I love to see how the money flows and give me a general idea where my money goes.

🍱Groceries: SayWeee Asian Groceries

https://www.sayweee.com/en/account/referral/landing?t=1&referral_id=7415499&lang=en
Asian Groceries at-home delivery by in-house delivery crew. I usually stay home on delivery day, the delivery time frame is not very accurate. They have a huge variety of items and saves me so much time from having to go to Chinatown.

🛍️General Purchases: Rakuten.com CashBack program

https://www.rakuten.com/r/ZOEYTA10
Get $30* until September 30, 2025 – please read the fine prints.

🔐Cybersecurity: NordVPN VPN

https://refer-nordvpn.com/ZBPChRJWezr
Much like freezing your credits, you should add a layer of security by using VPN to hide your IP. There are other uses, for me, I sometimes connect to a foreign country's network to watch the local TVs online.

🤑Credit Card: American Express Platinum - referral link

https://americanexpress.com/en-us/referral/platinum-card?ref=ZOEYTCzMJ

~$900/year annual free, you will break even and more but AMEX dput you to work (e.g. $15 Uber/month, $15 Walmart subscription, $25 Entertainment Credit – I use on for YouTube Premium Family, $300 biannual hotel with hotel dining credit sometimes, $200 airline credits, Global Entry reimbursement, etc.). I signed up because I travel internationally and this gives me access to Priority Pass airport lounges. Although Priority Pass is pretty terrible in the US, they are quite nice once you step outside of the country.

🤑Credit Card: American Express Gold - referral link

https://americanexpress.com/en-us/referral/gold-card?ref=ZOEYTLyzA

~200/year annual fee, you will also break even and more with this card too. Just set up a schedule to use all the rewards. And, before this card, I only had a Blue Cash. For now I have both Gold and Platinum for no reason...

🗣️Foreign Language: iTalki Referral Link

https://www.italki.com/i/ref/ADaC00B
A website where you can take low-cost foreign language lessons. It's great whether you are a serious learner or just want to do something different for one day.