Julia’s WalletIndependent credit card testsSubscribe
Julia’s Wallet · University

Learn how cards really pay

Short lessons, plain words, the arithmetic shown. Each one ends with a tool you can run on your own numbers. A new lesson arrives with each episode.

3 lessonsabout 15 minutesno sign-up
  1. Start hereMethod5 min readHow the Wallet Score worksThree households, a stress case, four parts, one number out of 100, with Venture X worked through.Start the lesson →
  2. CoreFees & credits4 min readStatement credits: face value vs what you actually useWhy a $300 credit is rarely $300, and how the tools count the ones you really use.Start the lesson →
  3. Case studyFrom the episode6 min readAmex Platinum vs Amex Gold, by the numbersEvery calculation from the episode, line by line, with the issuer’s sentences behind each figure.Start the lesson →