Zac

Former D1 Athlete | Credit Capitalist | Travel
I show cool people how to leverage magic internet money → business growth →
Traveling & sharing my opinions

[Zac @realZacRepinski]

You can literally earn close to 20K in Travel off One Inquiry

It's called The Amex Spree

Start with a personal card
If your building credit get an every day blue cash preferred - ask for limit increase after 91 days

or a Delta/hilton card, the travel cards will typically start you out with higher limits

If you start your amex relationship on personal side, they will no longer hard pull your credit for any personal, biz, or even loan applications.

soft pulls only

Amex is known to 3X the limit after 91 days of use and on time payments

make your payments in full every month, treat your personal credit payments like gold

you should never over spend on personal credit,

set up auto pay, always

Then after 6-12 months hit the Spree in same day

Hit Amex Biz Platinum (200-250K Bonus)
Amex Biz Gold (150-175K Bonus)
Amex Hilton Biz (175K Bonus)
Amex Marriot Biz (130K)
Amex Plum ($600)
Amex Green (25K)

Hit Your Sign Up Bonuses
450K Amex MR Points
300K Hotel Points

Learn how to to transfer your points

Get 2-3 International Trips a Year with Just the Amex Gold if you spend 12-15K a month in your biz too
800K Points

see so many biz owners missing out on a credit card stack that's optimized for their business

Business class flights, luxury hotels + suites , and top of the line service for free all year essentially

this is also an incessant flywheel
- if you're spending in your business with the right stack, you're constantly racking up more points
- if you create content for your biz, it's lifestyle marketing. content flywheel without the cost

really cool system when you put it all together

[Zac @realZacRepinski]

Every uber driver in Minnesota is Muslim or Somalian

One guy jokingly said his name was Osama bin Laden like it was some funny joke

They all talk on the phone while riding in the uber

wtf is are we doing. What is this shit

[Zac @realZacRepinski]

@graemelamperson Been 3 yrs since gramearly has been in BA. Curious to see if his opinion will change

[Zac @realZacRepinski]

@graemelamperson BUT BUT BUT

you could live there for under $500 a month if you wanted too, so you’re forgetting about the expats who don’t work

[Zac @realZacRepinski]

Sofi & Hood are both playing the long game by focusing more on the younger audience. Both companies in my opinion are way more forward thinking compared to their direct competitors. Trying to capture the that market and implement future/modern gateways, vs their competitors are much more established older gen companies unwilling to adapt or change. I’m bullish on both long term

[Zac @realZacRepinski]

@bold_perception See you there when you come visit tho

[Zac @realZacRepinski]

If you’ve never seen Hungarian currency now you have

The Hungarian Forint

10,000 Forint ($27 USD) - Szent István Király (King Stephen I), the first King of Hungary, who founded the Hungarian state around 1000 AD

5,000 forint ($13.50 USD) - Gróf Széchenyi István (Count István Széchenyi), 19th-century statesman and reformer, often called “the Greatest Hungarian.” The back shows his estate

1,000 forint ($2.70 USD) - Mátyás Király (King Matthias Corvinus), the Renaissance king who ruled Hungary in the 15th century and was known as a patron of arts and learning

[Zac @realZacRepinski]

@bold_perception Guyser isn’t even in Budapest but he’ll always find a way to make it about himself

He’s gotta fill up the ego cup any way he can !!

[Zac @realZacRepinski]

@biohacker No alcohol

[Zac @realZacRepinski]

Yeah good point, I don’t know much but sounds like they were literally like modern day North Korea

One of the most isolated and communist countries in the world and it was literally not long ago at all in the 90’s which is crazy to think about

+ everything I’ve seen on YT they seem to really like Americans and have incredible hospitality for them

[Zac @realZacRepinski]

Nobody’s talking about the fact that the Trump & Kushner family recently acquired a Mediterranean island that was once a massive Communist military base

It’s called Sazan Island, off the coast of Albania.

During the Cold War, it was a heavily restricted military fortress

- 3,600 bunkers
- 10 miles of underground tunnels
- Soldier barracks and abandoned infrastructure scattered across the island

Today it sits completely untouched & uninhabited
Tourists boat in to explore the ruins and hang out on the shore for a few hours, then leave

An abandoned island with no infrastructure but has Beautiful Turquoise water, Rocky beaches, an interesting history

Apparently the Albanian government just approved the idea to construct a $1.4 billion luxury resort on it, including a hotel, villas, and a marina.

A Cold War relic turned into billionaire playground

Gonna take a guess that all the money they made from $Trump coin is going into this development

Stumbled on this watching a vlog & researching the Albanian coastline for a possible trip this summer & I had to share it

[Zac @realZacRepinski]

MAKE IT MAKE SENSE DAVE!!

Why would you pay off debt that's costing you 3%... when you can park that same money in the most boring option that is treasuries at 5%?

obviously there are better options but that's the point

You come out ahead.
Every year.
Without doing anything.

I guarantee you there are far more millionaires who used debt to build wealth than those who didn't, and it's not close.

[KΞRL_✂️ @KRL_defi_]

Caller: “My wife and I have about $2.3M in debt, but it’s all low interest. Mortgage, rental property, student loans, car loan. We make about $1.5M a year, and our net worth is around $5.2M . I’m wondering if we should just invest instead of rushing to pay it off.”

Dave Ramsey: “Hold on. Break that down for me.”

Caller: “$2M on our primary home at 2.4%, $250K rental at 3%, $80K student loans at 1.6%, and a $40K car loan at 4%.”

Dave Ramsey: “So you’re looking at it like, ‘why pay 2% when I can earn 4% in the market?’”

“That’s the mistake. You’re treating it like math only. Debt isn’t just interest rates. Debt is risk.”

“The more you stack it up, even when it’s cheap, the more exposed you are when life changes.”

[Zac @realZacRepinski]

@zackpaid COOK

[Zac @realZacRepinski]

But if you actually want to access capital to start a business you HAVE to have good personal credit.

Multiple Credit cards over 10K+
Good Credit Age
No negatives

Personal credit is the resume to getting business capital and your credit profile is what they actually look for not just score

[Zac @realZacRepinski]

How does this not click with the average W2 worker

Even if you’re in sales making 6figs+

You can also LEVERAGE business credit by opening up an LLC
Obtaining protection under your LLC
&
Writing off the investments you make into a side income or skillset on your W2 Income

It’s literally the #1 way to lower your payment to taxes as a corporate employee

Yet the corporate employee is the one who HATES on online income and online skillsets the most

But getting an LLC, good personal credit credit, to the. access 50-150k in Biz credit can be one of their biggest levers of growth for someone in their position

Yet they wholeheartedly agree & argue that a university degree which costs them 5-8x the amount of their time & money is worth it

[zaza @zazaxbtt]

Meet Kevin says if you are earning $40k - $200k a year you shouldn’t invest but try to increase your income

‘If your in that range the best investment you can make is trying to figure out how can you and your spouse increase your own income’

‘There are people that I know that went from being a nurse making $100k a year that decided to go back to night school to study anesthesiologist 2-3 years later they are anesthesiologist nurse making $400k a year’

‘Then I will focus on owning my own home then I would focus on adding some risk assets in’

[Zac @realZacRepinski]

I lived in St Pete 4+ Yrs and i'm not a fan of clearwater at all because its too vacation/touristy.
Maybe went up there a couple times just because you can drive along the beach, and i would golf at some better courses in that area but yeah Clearwater aint it, nothing special about it. Pretty much everything south of it is better i agree with you on that

[Zac @realZacRepinski]

@PhantomStays 25k-750K HAHAH sounds like all the business grifters who don’t know anything about accessing capital except for mass applying to anything and everything

Looks like you’ve been funnel hacking or something with all this lol

[Zac @realZacRepinski]

@lawrencekingyo How long you going to be out in Europe? All summer?

[Zac @realZacRepinski]

@ZynStop You don’t need an SBA loan unless you’re trying to buy an existing business from someone. Most people start with 0% business credit cards and business lines of credit

[Zac @realZacRepinski]

@TJ_Bongiorno Yeah been using nic for a long time, too much daily for work.

What’s the goal of 3 plenic, what is it supposed to help with?
The urges to use nic, if so I’m down with that

[Zac @realZacRepinski]

@Helvetiicus Easily one of the dumbest comments on this entire post

[Zac @realZacRepinski]

My claims still stand that LATAM doesn’t have any elite beach cities

Everyone is going to argue Rio - but if you take out the actual landscape of Rio the beach itself is okay

Maceio and the Algoas region is as elite as it gets in LATAM
maybe those islands of Colombia Providencia & San Andreas too

Outside that, for how big LATAM is it’s unfortunate they don’t have many beach destinations

There are 5-6 places in Florida that have elite beach & city setups that mogg latam in that arena

[Florida Grand @florida_grand]

I went to college in Malibu, would surf at Zuma, travel down to Laguna to play hoops on the beachside courts, go on dates to Santa Monica. Cali has incredible surfing, some cool spots but there are no beaches like the ones we have here in Florida. I could do an entire thread but I’ll just start with Anna Maria Island.

[Zac @realZacRepinski]

@tommyswriting Yeah Asunscion had 2-3 gyms that are some of the best in ALL of South America