This episode was inspired by a question from Bri: "Thank you for being the FIRST person to support me through my financial journey as an adult. I’m currently healing from many different emotions surrounding money. My question for you is about credit cards with perks. I got a few cards totaling 4,000 that I’m paying down but I didn’t realize I was doing a disservice to myself by not utilizing cards with perks (travel, rewards). Should I be moving toward paying off and closing 2/3 of those cards or pay off/down and try to add those smarter cards to my life? Thanks again for all you do, you’ve changed my life for the better. I’m not as afraid of money as I once was." Links Mentioned Creditcards.com Credit Karma NerdWallet Credit Sesame Should I Close My Credit Card article Episode Sponsors Thanks to Chime for sponsoring the show. Get started with Chime today. Applying for a free account takes less than 2 minutes. Get started at chime.com/mymoney. Taking care of your employees is more important than ever. With Gusto, everything you need to hire, pay, manage, and support your hardworking team is in one modern solution: Gusto’s people platform. Get 3 months free when you sign up at gusto.com/mymoney. Thanks to My First Million for sponsoring the show. If you're the type of person who's like me and always thinking about new business ideas and startup ideas, start listening today to the My First Million podcast on any podcast player. Thanks to Open Door Capital for sponsoring the show. Go to https://odcfund.com/ to learn more. Thanks to Shopify for sponsoring the show. Shopify is more than a store. Connect with your customers. Drive sales. Manage your day-to-day. Go to http://www.shopify.com/mymoney for a FREE fourteen-day trial and get full access to Shopify’s entire suite of features. Thanks to Ladder for sponsoring the show. Go to http://www.Ladderlife.com/mymoney to see if you’re instantly approved for Life Insurance to provide for your family if the unthinkable happens. FOLLOW & SHARE Leave us an honest rating and review. Head to the podcast player you’re listening to this episode in to leave us a review. Reviews help us continue to grow and bring on more amazing guests. Thank you in advance!  Love this episode? Share it with a few friends so they can learn these valuable money concepts as well. Be sure to FOLLOW and SUBSCRIBE to never miss an episode! Have a Shannah Shares question? Submit your question here https://bit.ly/shannahshares Follow Me on Instagram for more money tips and behind-the-scenes information https://www.instagram.com/everyonestalkinmoney/ See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info. Learn more about your ad choices. Visit megaphone.fm/adchoices