

quick heads up for anyone minting on Arc 👀 some custom mint sites are taking advantage of the fact that Rabby and MetaMask don't fully support Arc yet. → your wallet might not show the actual amount you're spending → a "free mint" can turn into a wallet drain if you're not careful → always check the mint price and make sure you have the exact amount needed → use a burner wallet whenever possible don't let a random NFT mint cost you your entire bag. stay safe, frens 🫡

Optimizing my wallet setup for the next chapter After reviewing my spending habits, I decided to keep only the cards that actually match my lifestyle: - MB Signature: lounge access, travel & dining benefits - MB JCB Ultimate: insurance & healthcare support - Kim Chi 365: daily shopping perks - Sacombank Cashback: transportation rewards Still exploring better options. Maybe MB Supreme for online shopping, but my monthly spending doesn't reach the required level yet.

There was a time when I thought credit cards were simply tools for paying now and settling later. Later, as I began viewing everything through the lens of an engineer—if I had to spend money, why not optimize the cash flow?—I started exploring cashback rewards. And so, from one initial card, I gradually built a dedicated “stack” for each category of spending. 😅 Not to show off how many cards I have. But like building a tech stack: each tool should only do what it does best. My current setup looks roughly like this: - Laptop / Online: VP Step Up – 15% - Transportation / Dining Out / GrabMart: Sacombank Bạch Kim – 16.8% - Supermarkets: Sacombank Uniq – 20% - Food & Beverage: Momo mDigi – 20% - Travel: Sacombank Amex – 20% - Electronics: Cake Premium – 20% - Entertainment: Selected MB/VIB cards – 8–12% I keep a few other cards as backups or for when my primary cards hit their cashback limits. In Web2, I learned how to optimize performance. Through AI, I learned how to optimize workflows. Through Web3, I’ve started paying closer attention to ownership and how cash flows operate. And in real life? I’ve started optimizing my card swipes too. 😂 In the end, cashback rates of 10%, 15%, or even 20% won’t make me rich. But they’ve cultivated a fascinating mindset: Money you don’t optimize is money you leave on the table. #CreditCard #Cashback #PersonalFinance #Optimization #AIEngineer

The more I think about AI, the more I believe its biggest advantage isn't "automation" It's increasing your luck surface area. Your network already contains opportunities you’ll never notice: → a founder looking for someone you once met → a researcher working on something aligned with your interests → an old connection who could unlock your next opportunity → weak signals buried across years of emails, DMs, notes, and conversations The problem was never that opportunities didn't exist.







