Most people can’t optimize for 1-3%. Life is flooded with 1-3% choices. Even as someone who is a credit card optimizer, I also ignore numerous 1-3% choices a d

Most people can’t optimize for 1-3%. Life is flooded with 1-3% choices. Even as someone who is a credit card optimizer, I also ignore numerous 1-3% choices a day. Many people also spend more than they can cover on it.