[00:01] as possible, I wouldn't choose the Amex Gold because even though this card's got a 325 annual fee and too many credits that probably won't always fit choose the Capital One Venture X because once again, there's credits I've got to [00:15] honestly, earning transferable points and miles on cards like the Venture X me right now, but I might not want to commit to that for decades to come. So Bilt cards that earn points on my rent or mortgage, which I personally love and [00:28] find super valuable, but forever is a long time to go all in with Bilt, and going to look like in 5 years, let alone 50. So in that case, maybe I could use flat 3% cash back on everything, but that might be too good because a lot of [00:42] shouldn't pick that card either. Or maybe the real answer here is not to credit cards, and just use something that works for me today while adapting really want to know what card I'd pick to use forever, I'd go with something [00:56] everything that can go straight into my investment account that I think is going to be around for a very long time, and that would be the Fidelity Rewards Visa.