What you say about credit is so true. It's all in how you use it. Cash back rewards can be a pretty good revenue stream. Just paying for monthly expenses with my cards I can usually earn between $50-$80 a month in rewards and I roll that into BTC at the end of every billing statement. I'm astonished by how quickly it's grown—partially because I began at the beginning of a bull market.

I don't do much heavy lifting at my age but used to love my free weights when I was younger. I do goblet squats with my 50lb kettlebell and that keeps the legs strong enough.

That sounds like a wonderful idea for a budgeting app—one that takes into account the time factor. Thanks for the links! I'll be sure to read your post and check out the other link later today. Speaking of building leg muscles...I have to carry 70lb boxes of floor tile from the garage into the house. Lol.