在美國，肯花時間的人真的可以不用花錢｜省錢、回贈、信用卡背後的制度【美國生活】廣東話 | 中字

As we enter 2026, I want to take advantage of my time on a cruise ship to share some real-life experiences about American life, the culture of saving money, and financial freedom. Many people ask: Is the American economy doing well? Has the Trump era's economy helped ordinary people? But I've always believed that personal finance is more important than the overall economy. In this video, I will share: • My initial shock upon arriving in the US and my first encounter with rebates and coupons • Why do some people pay full price for the same product while others get "Better Than Free"? • The institutional logic behind credit cards, rebates, Staples, and Sears • How ordinary people can protect themselves in a K-shaped economy • Why those who "spend time" often save the most money. This isn't about teaching you to be opportunistic, but rather about helping you understand that in the US, money often depends on whether you understand the rules of the game. If you are currently living in the US, or considering immigration, financial planning, or future planning, I hope this video will provide some inspiration. If you like this kind of content, remember to subscribe, leave a comment, and share. 📌 Video Contents (Chapters) 00:00｜New Year's Greetings and Recent Updates 01:20｜The World Has Changed in Two Months: Politics and Reality 02:45｜The Real America Under the K-Shaped Economy, Making Personal Finance More Important 05:15｜First Impressions of America: Price Shock and First Enlightenment 08:49｜Slickdeals and My First "Better Than Free" 12:08｜Supermarket Coupons 15:06｜Staples, Sears, and Systemic Loopholes 20:08｜Checking Account Opening Bonuses and Rebate Checking Accounts 22:38｜Credit Card Rebates: Tools or Traps? 28:27｜Using Credit Cards Wisely: Can Travel Be Free? 30:08 | Make Good Use of Credit Cards for Different Purposes 37:22 | Saving Money Isn't Painful, It's a Choice 39:34 | Price Match vs. Price Mistake 42:35 | Summary: Understanding the Rules is Key to Taking Control of Your Life 🔗 Credit Card/Bank Account Opening Referral Links (Support Channel Operation) If you are planning to apply for the following credit cards or bank accounts, you can use the referral links below. Applying through these links will support this channel. Thank you for your support! Capital One Venture https://i.capitalone.com/GXCSLrFCQ Citi Checking Account https://banking.citi.com/cbol/OM/chec... Chase Freedom Flex https://www.referyourchasecard.com/18... Chase Marriott https://www.referyourchasecard.com/25... Chase Sapphire Reserve/Preferred https://www.referyourchasecard.com/19... Chase IHG https://www.referyourchasecard.com/21... Chase Ink https://www.referyourchasecard.com/21... Hi everyone, I'm Tommy Ho, a Hong Konger who recently moved to Los Angeles, USA. This channel will regularly share information about US immigration policies, lifestyle, social systems, and popular topics of interest. My Email: [email protected] Facebook:   / tommyholosangeles   #ImmigrationToUSA #USLife #SavingMoney #FinancialManagement #FinancialFreedom #USFinancialManagement #ImmigrationToUSA #Rebate #CreditCardRebates #K-ShapedEconomy #Cantonese #USExperience #InstitutionalObservation