I like to keep track of an everyday toolkit of things that I use in my day-to-day life that bring me pleasure. You’ll usually hear me gushing about something on this list or something that will be added to this list.

This is not a complete list of things I use in each category. The focus is meant to be on things that I depend on or use regularly in my day-to-day life. For each category, I have other items I use for special occasions or specific use cases.

Note: Links are for convenience and information. I don’t use affiliate links or make any money here.

EDC (Everyday Carry)

I rarely leave the house without all of these on me.

Wallets

I appreciate fine goods and high-quality craftsmanship, but I’ve reduced my wallet needs to 4 cases with 4 wallets:

Watches

Pens and Pencils

Wardrobe

Tops

Bottoms

Accessories

Wetshaving/Skincare

To summarize, my “skincare routine” is heavily centered around shaving, namely:

Personal Finance

Disclaimer: This section does not constitute financial advice. The following are products I like and use in my personal life.

Cash accounts

Fidelity’s Cash Management Account is the best spending account for me because I keep most of my investments at Fidelity. I followed much of the guidance in this article when setting this up. It has almost all the features I need:

However, this account does have some drawbacks. Though cash is FDIC insured, Fidelity itself is not a bank; they work with a processing bank called UMB. As a result, it doesn’t support Zelle or cash deposits. For this, I keep a separate bank account with my local big bank (Citibank).

Credit cards

More than 90% of my spending is split between the Chase Sapphire Reserve (travel) and Chase Freedom Unlimited (everything else within the US). The Priority Pass benefit of the Reserve is something I use almost every time I’m at an airport.

I will always keep an American Express charge card in my wallet. I currently have the Gold, but the Green seems to be a more well-rounded card.

If I exit the points and miles game, all of my spend will go to the Fidelity Rewards Visa, a simple 2% cash-back card that has no foreign transaction fees, which makes it superior to the Citi Double Cash for me.