End to a massive year, including big bonuses in December from Morgan Stanley and Public, along with a breakdown of all 2022 churns, plus a bonus recap of listener & subscriber stats from the podcast.

• (2:08) - Credit cards (MS Amex Plat, Chase Inks)
• (8:28) - Banks (DCU, Laurel, Upgrade)
• (12:50) - Brokerages (Public)
• (14:39) - Cellphones (Costco, Mint)
• (18:12) - Mealkits (Green Chef, HelloFresh)
• (20:41) - Freebies & Discounts (Peloton, Target, Turbotax, Sugarfina, Chase offers, Doordash, Apple Music, SiriusXM, StudentBeans, Dell, Starbucks)
• (32:47) - December tally ($3,135 + 416K points)
• (34:08) - 2022 tally ($32,454 + 981K points)
• (44:36) - Bonus: Podcast stats 🤓

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