Cards
Credit cards, judged against your plan.
Card rewards compared by real spending and their effect on your timeline, not points-shopping.
Judged by your spending, not the brochure
Rewards are weighed against your real categories, fees, minimums, and caps, not an imaginary spender's.
No manufactured spend
A card only scores well if it improves the timeline without creating new spending to chase.
Plan angle on every card
Each comparison states plainly when a card works, and when it quietly costs you time.
Two ways in
Build your private workspace.
Start with your income, spending, savings rate, and runway. Cashmere turns them into a FIRE timeline. Free, and no bank login required.
Not ready yet?
Read along instead.
Field notes on buying back time, published in the Cashmere Edition as they are ready.