This is a simple system for handling everyday shopping with minimal effort. Instead of comparing stores, wandering aisles, and making decisions every time you shop, you set up a small, repeatable process that runs through Walmart. Once it’s in place, you use the same list, the same ordering method …

TL;DR — The System

• Use merchant-specific credit cards tied to a single merchant:

  • Amazon card → use only on Amazon → 5% cashback (with Prime)
  • Walmart card → use only at Walmart → 3% cashback (no membership) or 5% (with Walmart+)

• Lock each card to its merchant:

  • Store the card only in that merchant …

TL;DR — The System

• Look up last year’s total federal tax
• Set that as this year’s Safe Harbor target
• Check your year-to-date federal withholding
• Estimate your year-end total withholding
• Compare:
  • Over target → reduce withholding
  • Under target → increase withholding
• Calculate adjustment:
  • \(\dfrac{(\text{Target in dollars}) - (\text{Projected Total …

TL;DR — The System in 30 Seconds

Use three credit cards, each with a single job:

• Safe Card — used only for subscriptions and recurring bills, never leaves home, lock it up in a safe if you have one
• Digital Card — your default card for everyday spending through your phone (mobile …