Based on what you told us, you're a...

Big Spender!

As a Big Spender, spending your hard-earned cash is fun for you. And despite what some personal finance "gurus" will tell you, there's nothing wrong with that! Never in the history of the world has skipping a few lattes made anyone rich. So why do so many gurus tell you to do it?

Here's why: because most personal finance writers are exactly that—they're writers. They aren't in the trenches testing this stuff firsthand like we are, and most of them aren't any wealthier than your average car mechanic or schoolteacher.

So if shopping improves your life, we say go for it. If you follow our advice and get smart about how you spend (regardless of what you buy), you'll actually make your spending work for you.

With all of that in mind, here are three products we recommend for you.

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#1 The American Express Cobalt Card

Our top credit card choice in Canada for 2021.

If your primary credit card is a no-fee card, you need to read this. Because as tempting as it is to save a few bucks by holding a no-fee card, the rewards you're sacrificing are FAR greater than what you're saving on that annual fee. Fortunately, the price for great rewards can be quite low—if you choose a card that's designed for Big Spenders like you. And the Cobalt Card from American Express is exactly that.

Here's why Big Spenders love the American Express Cobalt Card:

  • Earn between 5% - 10% back on food & drink spending for the first year (earn 5% after the first year), the highest earn rate of any card in Canada, rewarding you heavily for every dollar you spend
  • The best customer service of any credit card provider in Canada, so you don't waste time battling petty fees
  • Award-winning travel medical insurance to keep you safe and secure
  • Low $10/month fee
  • Cancel the card penalty-free at any time

#2 Wealthsimple

The top-rated robo advisor in Canada.

Put simply, Wealthsimple makes low-cost investing easier than anyone else. And as a Big Spender, you already know how powerful a dollar saved today can be a few years from now.

Here's why Big Spenders love Wealthsimple:

  • Low service fee of 0.5% per year (0.4% if you invest $100,000 or more)
  • Low management expense ratio (MER) of 0.20% per year
  • Award-winning customer service
  • Award-winning, intuitive user interface

If you're living outside of Canada or the U.S., we recommend investing with Capital.

#3 Our "10 Or Less" Airbnb Search Strategy

The quickest and easiest way to find the best Airbnbs in any city in 60 seconds or less.

The 10 Or Less strategy uses unique search methods to narrow down the thousands of Airbnb listings in a given city to fewer than ten of the very best. Most Big Spenders using the 10 Or Less strategy are shocked at how effective—and how simple—it really is. After using the 10 Or Less strategy once or twice, you'll never go back to your old way of searching again.

Here's why Big Spenders love our "10 Or Less" Airbnb search strategy:

  • You'll eliminate hours of search time and get access to the best, most relevant Airbnbs in any city in the world in 60 seconds or less.
  • You'll save hundreds of dollars per trip while staying in better Airbnbs.
  • You'll free up your time to plan other, more exciting parts of your trip—and your life.