Gen Z Guide to FI

How can you reach your minimum spend without spending more money than you need? It’s all about planning. Some factors to consider would be: large upcoming bills, regular monthly expenses, reimbursable expenses etc.

Here is a quick breakdown of how I’ve reached my minimum spend on the United without spending more money than planned.

1. I accidentally left my work card home so I was able to use my own card to pay for expenses throughout the weeks I traveled. I had until June to meet minimum spend but this made it a lot faster.
2. Utilities: I already pay for this. I just have to switch cards with every new hack.
3. Gas: my gas was super low because I traveled almost all of April. My regular gas budget is typically $150 per month.
4. Canada expenses: mostly food and vibes lol
5. Canada part 2: this is from volunteering to pay everything and my obsession with receipts. My friends literally keep their receipts and give them to me because they know how happy I get.
6. Yes I am going to take the GMAT exam again in June. Wish me luck.
7. HSA reimbursable expenses: I wrote in Traveling the World for free thanks to my HSA about how to reimburse yourself using HSA. I still have free therapy sessions but for my next card, the HSA reimbursement will support my travel as well as my mental health 🙂
8. North Carolina Trip
9. Household items/Grocery: slightly less than my regular budget because I traveled most of April

You don’t have to spend more to get these bonus points. This is just an example. I hope this breakdown helps.

xoxo GenZ Fire Baby