The “Loophole Queen”
It all started when I was a “broke college kid” balancing three jobs, just trying to keep my head above water without going into mounds of student loan debt. My parents did not pay for my college like so many of my friends had, and honestly it was the best thing they ever did for me. More on that later. But I had a problem: I couldn’t stand the idea that the “official” way to do things was the only way.
My first taste of arbitrage happened at a local steakhouse. My very first job was as a hostess, and I noticed the servers were happy to pay $8 to have their sections cleaned at the end of a shift. I realized that if I could blitz through four or five sections in an hour, I was making significantly more than my hourly wage—and definitely more than the other hostesses who were stuck in the “standard” shift structure.
I started showing up on my days off just to clean. I made more in one hour than the others made in six. I was quickly told to stop. I learned my first lesson then: People don’t like it when you innovate because it highlights how much they’re leaving on the table. “Haters gonna hate,” I thought. I kept moving.
From Steakhouse Floors to Free Airline Flights
That mindset followed me to my job at US Airways. Making $7.50 an hour, I realized my real “paycheck” wasn’t the cash—it was the access. I basically had a universal ticket to fly anywhere for free. So, needless to say I got spoiled. When I left that job and went to college, I remember looking at the math of “organically” earning miles and thinking, “This is a rigged game.” It would take thousands and thousands of miles on airline metal visiting my parents half a continent away before I could even get a single award flight. Then I got my first Chase Freedom card. I failed at first—all my points got forfeited because I didn’t know how the system worked. But that failure was the catalyst. I stopped viewing credit cards as debt tools and started viewing them as leverage tools. I learned how to move points, how to bypass the “organic” mile-earning grind, and how to turn everyday spending into (nearly) free travel.
Why This Business?
Over the last 20 years, I’ve refined this into a system. I don’t just “save money” or “make money”; I practice Wealth Efficiency. I look for the gaps where the system is inefficient.
- I calculate the risk versus the reward.
- I eliminate the “Wealth Killers”—taxes, fees, and bad habits—that keep the average person stuck on a treadmill.
- I understand that complexity often breeds opportunities.
I am not an Instagram personality (yet, though maybe one day I will actually learn how to use Instagram and take this website there :)). I’m a normal, everyday person who spent two decades experimenting, failing, winning, and I’m finally taking the first step to document the results.
This website is the formal record of that experiment. It is a venture dedicated to one goal: helping normal, everyday people like me stop paying market price for the life you want. I’m building this in real-time, learning as I go, and documenting the wins and the losses. If you’re tired of the standard rulebook and you’re ready to see how the game is actually played, you’re in the right place.