Credit Cards: What Most People Get Wrong

Most people think credit card rewards are free money, especially if they pay the balance off every month. But research shows credit cards change how much we spend... often costing us far more than the rewards give back.

In this episode, I break down the psychology behind credit cards, why rewards feel so good, and the data showing people consistently spend more when they use them, even when they’re disciplined.

What we cover:

Why paying with credit cards reduces “spending pain”

The research showing people spend 12–18% more with credit cards (and sometimes far more)

How rewards become permission to overspend

A real example of how “free” travel actually cost tens of thousands

Why this isn’t about debt or irresponsibility—it’s about awareness

Simple mindset shifts to help you spend more intentionally

This episode isn’t about telling you to stop using credit cards. It’s about challenging the belief that rewards equal savings, and helping you notice how small mindset shifts can lead to real financial clarity.

If this helps you pause and think differently about how you spend, that’s a win.

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