To be a successful business owner and investor, you have to be emotionally neutral to winning and losing. Winning and losing are just part of the game. Risk comes from not knowing what you are doing.
Yes. I converted my 401k to a Roth IRA to avoid higher taxes in the future. I'd rather pay taxes now than be stuck paying taxes on my retirement income when I'm 59 and living off my savings.
You guys look like you know what you are doing. Please l'm plan on retiring next year with $800K. Any advice on how to implement your strategies to maximize it on retirement ?
I'm a Titanium Elite Lifetime member at Marriott with 25+ years of loyalty. I don't get suite upgrades, and I usually don't even get complimentary water. Breakfast used to be free, but now Marriott just gives us a partial credit. Meanwhile, my Hyatt Globalist status often gets me a suite upgrade along with free breakfast and all the complimentary water I can drink.
I agree with you about Marriott giving ice in winter - whether domestically or internationally. But we have consistently gotten very good treatment from Hilton at our Gold, not even Diamond, level - with upgrades almost every time, and, at least when overseas, they have been to Executive Level with lounge access. And, in our experience, the points needed for Hilton properties overseas were actually much lower than here in U.S. We have never had to spend more than 50K per night for rooms (with upgrades to huge suites with amazing views and full Exec Lounge access) in upscale Hilton properties in places such as Singapore, Venice, Copenhagen, Stockholm, Rome and Barcelona.
Agreed. I fired Marriott years ago for the exact reasons that you experienced. I haven't missed them. I found Hyatt and an amazing experience and staff around the world. I think Hyatt has the best pillows, too.
Thank you for the hotel status breakdown. Really good information. Keep hearing how great the Hyatt program is. Just spent 9 weeks in Europe. Hyatt properties were not readily available. Those found were really expensive.
Thanks for another great video. We've had a really different experience with Marriott. We are Platinum and recently got upgraded to a 2-floor penthouse suite at Niagra Falls with a balcony overlooking the falls. It was spectacular. We've also been upgraded to a 2-floor Penthouse Suite at a Sheraton in Cuyahoga Falls, Ohio. We are leaving to slow travel around the world soon and I'm hoping we get some of the same perks as we travel. We will definitely work toward IHG status too.
Not sure where they are travelling honestly. With Marriott I've had a 100% suite upgrade rate, and that includes three Ritz-Carltons. Thats with Marriott Platinum. I've been upgraded to a suite in a Marriott everywhere from Istanbul to Cusco to Bali.
You two are always high on Hyatt. I recently got the IHG card got the bonus and bought the 2 for 1 for an extra 300,000. I booked on points for 20 nights in January and early February in hua hin and pattaya but I couldn’t find any 4 night slots in Bangkok. I don’t have the Hilton card but have stayed at Waldorf Astoria in Bangkok with my yearly certificate from Amex great place and best breakfast buffet I have ever had.
For our travels, we use IHG for almost everwhere. In addition, we have a personal and business IHG card. Lastly, buy extra points when they offer points with a 100% bonus.
We love the videos! Which Choice credit card did you get, the free one or the $95 one? Just booked a flight out of San Diego to Ft. Lauderdale when I quit my job in April for a Transatlantic cruise and staying four nights at an IHG beforehand....guess we have learned a lot from you! Thanks...
We got the IHG card through the link you provided and have bought many, many points. Staying for 18 nights in Arizona at an IHG over the holidays. I booked the room in multiples of four nights as you recommend but I notice that while they say the fourth night is free, the first three nights are no longer at the point rate quoted but fluctuate to almost wipe out the fourth night free - maybe save 2000-3000 points over the four days. Maybe this is just the case in the USA and not abroad? The best part of buying points and using those instead of $$ is the flexibility to cancel without penalty and the savings on the state and local taxes.
I noticed the same thing with IHG points. I booked 4 nights in Santa Fe in the spring. The website quoted me 24,500 points. I mistakenly thought that was for each of the 3 nights, but learned afterwards it was an average for 4 nights. I bought points on sale so that helped, too. Now I know the point valued is averaged over 4 nights.
Unfortunately, not all of us were financially literate early, I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but l'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling! Thanks Evelyn Infurna.
Evelyn Infurna Services has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Evelyn Infurna. I am at $128k right now and LOVING that you have to bring this up here
I know this lady you just mentioned. Evelyn Infurna Services is a portfolio manager and investment advisor. She gained recognition as a former employee at Goldman Sachs; a renowned investor she is. Evelyn Infurna has demonstrated expertise in investment strategies n has been involved in managing portfolios and providing guidance to clients.
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
My wife and I joined IHG early this year on the back of one of your earlier videos. They have just offered us 600,000 points for USD3,000. Given we intend to spend 6 months travelling through Malaysia, and the PI from early next year, how long is this likely to last us before re need to replenish our points balance? I know this will vary according to the hotels we choose, but I am just after a rough guide based on your experience. Many thanks.
Would love to try hyatt, but their footprint is terrible. They don't have a single location in smaller states like new Hampshire(where my wife is from). I feel like people who do big travel and stay in major cities don't factor this in for average travelers
Great video! I have the IHG card, so I’m already Platinum. I’ve got some upcoming travel to London, Paris, and Strasbourg. I’ll be staying at the Holiday Inn in London and Strasbourg and the InterContinental in Paris. Paris will fall over my birthday so I wanted to treat myself 😊 I took advantage of IHG’s 80% bonus promotion when buying points, which allowed me to cover my stays in London and Strasbourg. Really looking forward to the trip! Hyatt is my other favorite chain, so I plan to focus on earning with them next. Thanks for the recommendations!
What status level are you at Marriott? At Le Meridian by BKK I always get upgraded to a suite. I am a Platinum level. I did not know that Raddison even had a program., interesting. Stayed at the Rad Red in Madrid and enjoyed it. Rad Blu’s throughout Europe look nice too.
Can you layer these programs with your travel credit cards ( like chase sapphire preferred)? Or do you have to use the hotel chain credit card? What is best strategy?
I've found that Marriott in the US has been decent. Where we've traveled they are often less $$ than IHG. Hyatt sounds nice, but no chance with them - they rarely are available where we've traveled.
Great channel and content. Thank you as a long term subscriber and fan! Do you find as Hyatt Globalists, you get upgraded to suites often in Southeast Asia, without having to use Suite Upgrade rewards? I was under the impression that Globalist status granted the member suite upgrades with a standard room reservation unless suites are already fully booked for planned stay dates. I’m working hard to achieve Globalist status and that was one of the perks I was most attracted by. Thanks in advance for any insights you can share on that based on your experiences in traveling through Southeast Asia.
I’ve had all these statuses and Hyatt is on par with what Starwood used to be before Marriott bought them. IHG status is only good for higher-end properties. In my experience, Marriott and Hyatt have better higher-end properties than IHG.
I have a question regarding IHG status. Do nights carryover to the next year? Example, if you end 2024 with 35 nights, can you stay 5 nights in 2025 then get status for 2025/2026?
Question about the criteria used. Did you consider the CC and other benefits it offers for the particular chain? Say IHG is better for x or y because their car also give you this and that benefit? Or was it solely on the chain membership like Hilton Honors (without any Hilton card)??
I always got good values for my IHG in East Asia. I’ve no doubt Hyatt will be the same or better; it’s just that they have a lot less properties than IHG in East Asia. Correct me if I’m wrong, I believe you guys have Marriott Gold status that came with Amex. I wonder if you had the Brilliant card, it’d make a huge difference since you’d have access to lounge and I know you will get more upgrade with the Platinum status in Asia. I feel like all I need is IHG, Hyatt, and Marriott in Asia.
Marriott absolutely does not care about status. They did many years ago but that changed. I used to almost exclusively stay at Marriott but now I avoid them
Great video and I appreciate the perspective. I have the Hyatt card and they are definitely the most valuable hotel points currency. Hyatt milestone rewards are fun and I appreciate they don’t charge resort fees on nights paid on points. Hilton also doesn’t charge resort fees on nights paid on points (Marriott and IHG do) and with Gold status and above you (and a player 2) get a breakfast credit at participating brands (the breakfast credit is more with higher brands). I like that you can buy Hilton points on sale and you can book 4 nights on points to get the 5th free. Side note, I do have the Aspire card lol and have received a few very nice upgrades stateside. I haven’t explored IHG yet but that might be next, I like that you can buy points and book 3 nights in points and get the 4th free. Stateside I don’t see as many great IHG points redemptions which has given me some pause.
Not sure where you guys are travelling honestly. With Marriott I've had a 100% suite upgrade rate, and that includes three Ritz-Carltons. Thats with Marriott Platinum. I've been upgraded to a suite in a Marriott everywhere from Istanbul to Cusco to Bali.
One other Hyatt related question - are you taking advantage of Hyatt’s “25% More” point sale going on now through early January? Do you think that represents a good value?
QQ. Hello currently in IHG for the next 6 weeks will have 40 nights prior to end of December. How to leverage lounge access for 2025/2026. Thank you for all the information
You will receive the award choices after your 40th night stay posts. Just wait until Jan 1st to select the Lounge Access award. We are doing the same thing.
With Marriott you didn't build actual status with them. The real status is the life time status. Once you build that then you get great upgrades. I travel with work and usually stay in hotels for 300 plus days a year. I use Marriott and IHG. I'll do the first 100 days in IHG then stay the rest of the time in Marriotts. And you didn't get the top tier status as there is a spend. Of course you're not talking about this on your videos which I find very miss leading.
With copytrading, you could be sipping coffee on a balcony overlooking a bustling city skyline or lounging on a pristine beach, all while your investments work for you. Picture the freedom to pursue your passions, travel the world, and create lasting memories with your loved ones, all because you took the initiative to harness the power of copytrading and build the life you've always dreamed of.
I'm celebrating a $60k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me just one of the things copy tradee can do.
Can't share much here, I take guidance from ‘Sophia E Haney’ a renowned figure in her industry with over two decades of work experience. I'd suggest you research her further on the web.
There are better hotels in South East Asia and Europe than IHG, Marriot, Hilton or Hyatt. Promoting your referral links to get commissions makes the review bias. Selling your main residence and squandering the equity that you built for over 20 years RENTING hotels and then trying to make back with a RUclips channel is not retirement and is unwise ❤.
Awesome video. Thanks for sharing your experience
Great content.
To be a successful business owner and investor, you have to be emotionally neutral to winning and losing. Winning and losing are just part of the game. Risk comes from not knowing what you are doing.
You're speaking from experience?
Yes.
I converted my 401k to a Roth IRA to avoid higher taxes in the future. I'd rather pay taxes now than be stuck paying taxes on my retirement income when I'm 59 and living off my savings.
Same here, With my retirement funds of $980k, l've started exploring catch up contributions and automated my transfers to make saving easier
You guys look like you know what you are doing.
Please l'm plan on retiring next year with $800K.
Any advice on how to implement your strategies to maximize it on retirement ?
1. Hyatt 2. IHG 3. Radisson 4. Hilton 5 Marriot
Thank you.
I agree Hyatt Globalist is far and away the best of the bunch. I left Marriott as a Titanium and have never looked back.
I’m titanium Elite w Marriott also. Did you trade or transfer your points? I’m planning 2025 intl travel and wld like to make the best use of them.
They have really lost their way.
I'm a Titanium Elite Lifetime member at Marriott with 25+ years of loyalty. I don't get suite upgrades, and I usually don't even get complimentary water. Breakfast used to be free, but now Marriott just gives us a partial credit. Meanwhile, my Hyatt Globalist status often gets me a suite upgrade along with free breakfast and all the complimentary water I can drink.
I agree with you about Marriott giving ice in winter - whether domestically or internationally. But we have consistently gotten very good treatment from Hilton at our Gold, not even Diamond, level - with upgrades almost every time, and, at least when overseas, they have been to Executive Level with lounge access. And, in our experience, the points needed for Hilton properties overseas were actually much lower than here in U.S. We have never had to spend more than 50K per night for rooms (with upgrades to huge suites with amazing views and full Exec Lounge access) in upscale Hilton properties in places such as Singapore, Venice, Copenhagen, Stockholm, Rome and Barcelona.
Hilton is my favorite, but I’m in the opposite situation so interesting to hear the different perspective.
Agreed. I fired Marriott years ago for the exact reasons that you experienced. I haven't missed them.
I found Hyatt and an amazing experience and staff around the world. I think Hyatt has the best pillows, too.
Thank you again for a great video with information that excites my soul.
Thank you for the hotel status breakdown. Really good information. Keep hearing how great the Hyatt program is. Just spent 9 weeks in Europe. Hyatt properties were not readily available. Those found were really expensive.
Try jdv properties
Thanks for the info + video!
Awesome video. Thanks so much for sharing your experience - great content!
Thanks for another great video. We've had a really different experience with Marriott. We are Platinum and recently got upgraded to a 2-floor penthouse suite at Niagra Falls with a balcony overlooking the falls. It was spectacular. We've also been upgraded to a 2-floor Penthouse Suite at a Sheraton in Cuyahoga Falls, Ohio. We are leaving to slow travel around the world soon and I'm hoping we get some of the same perks as we travel. We will definitely work toward IHG status too.
Not sure where they are travelling honestly. With Marriott I've had a 100% suite upgrade rate, and that includes three Ritz-Carltons. Thats with Marriott Platinum. I've been upgraded to a suite in a Marriott everywhere from Istanbul to Cusco to Bali.
@@Re3iRtH I'm so glad to hear that you have had such luck with suite upgrades around the world. I hope we have the same luck! Thanks for sharing.
You two are always high on Hyatt. I recently got the IHG card got the bonus and bought the 2 for 1 for an extra 300,000. I booked on points for 20 nights in January and early February in hua hin and pattaya but I couldn’t find any 4 night slots in Bangkok. I don’t have the Hilton card but have stayed at Waldorf Astoria in Bangkok with my yearly certificate from Amex great place and best breakfast buffet I have ever had.
For our travels, we use IHG for almost everwhere. In addition, we have a personal and business IHG card. Lastly, buy extra points when they offer points with a 100% bonus.
@ but I have noticed they don’t always let you book with points even though they have rooms available for cash.
We love the videos! Which Choice credit card did you get, the free one or the $95 one? Just booked a flight out of San Diego to Ft. Lauderdale when I quit my job in April for a Transatlantic cruise and staying four nights at an IHG beforehand....guess we have learned a lot from you! Thanks...
Love the content you give!
We got the IHG card through the link you provided and have bought many, many points. Staying for 18 nights in Arizona at an IHG over the holidays. I booked the room in multiples of four nights as you recommend but I notice that while they say the fourth night is free, the first three nights are no longer at the point rate quoted but fluctuate to almost wipe out the fourth night free - maybe save 2000-3000 points over the four days. Maybe this is just the case in the USA and not abroad? The best part of buying points and using those instead of $$ is the flexibility to cancel without penalty and the savings on the state and local taxes.
I noticed the same thing with IHG points. I booked 4 nights in Santa Fe in the spring. The website quoted me 24,500 points. I mistakenly thought that was for each of the 3 nights, but learned afterwards it was an average for 4 nights. I bought points on sale so that helped, too. Now I know the point valued is averaged over 4 nights.
Unfortunately, not all of us were financially literate early, I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but l'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling! Thanks Evelyn Infurna.
I appreciate the professionalism and dedication of the team behind Evelyn’s trade signal service.
Evelyn Infurna Services has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
I went from no money to lnvest with to busting my A** off on Uber eats for four months to raise about $20k to start trading with Evelyn Infurna. I am at $128k right now and LOVING that you have to bring this up here
I know this lady you just mentioned. Evelyn Infurna Services is a portfolio manager and investment advisor. She gained recognition as a former employee at Goldman Sachs; a renowned investor she is. Evelyn Infurna has demonstrated expertise in investment strategies n has been involved in managing portfolios and providing guidance to clients.
I searched for her complete name on the internet and located her page. I then sent an email and scheduled a meeting to converse with her; now, I'm awaiting her response.
Super useful information. Thankyou
I end up staying in local owned or regional chains around the world, but I like your hunt for deals with the biggies!
My wife and I joined IHG early this year on the back of one of your earlier videos. They have just offered us 600,000 points for USD3,000. Given we intend to spend 6 months travelling through Malaysia, and the PI from early next year, how long is this likely to last us before re need to replenish our points balance? I know this will vary according to the hotels we choose, but I am just after a rough guide based on your experience. Many thanks.
Would love to try hyatt, but their footprint is terrible. They don't have a single location in smaller states like new Hampshire(where my wife is from). I feel like people who do big travel and stay in major cities don't factor this in for average travelers
Good day to you both.
Question; do you have IHG travel card OR the IHG premier card?
Great info!!!! Thank you so much
Great videos, as usual.
Thanks!
How do you see if an IHG property has a lounge or not?
Really like your style. I purchased 50,000 points so I started out conservative.
Awesome!
Can you explain how you got the top tier status offer from Raddison if you hadn't stayed there? What do you think prompted the offer?
Why it is NOT to get Hilton aspire cards?
Great video!
I have the IHG card, so I’m already Platinum. I’ve got some upcoming travel to London, Paris, and Strasbourg. I’ll be staying at the Holiday Inn in London and Strasbourg and the InterContinental in Paris. Paris will fall over my birthday so I wanted to treat myself 😊 I took advantage of IHG’s 80% bonus promotion when buying points, which allowed me to cover my stays in London and Strasbourg. Really looking forward to the trip!
Hyatt is my other favorite chain, so I plan to focus on earning with them next.
Thanks for the recommendations!
What status level are you at Marriott? At Le Meridian by BKK I always get upgraded to a suite. I am a Platinum level. I did not know that Raddison even had a program., interesting. Stayed at the Rad Red in Madrid and enjoyed it. Rad Blu’s throughout Europe look nice too.
Have you thought about Wyndham status? Their higher end properties are really nice.
Can you layer these programs with your travel credit cards ( like chase sapphire preferred)? Or do you have to use the hotel chain credit card? What is best strategy?
I've found that Marriott in the US has been decent. Where we've traveled they are often less $$ than IHG. Hyatt sounds nice, but no chance with them - they rarely are available where we've traveled.
Great channel and content. Thank you as a long term subscriber and fan! Do you find as Hyatt Globalists, you get upgraded to suites often in Southeast Asia, without having to use Suite Upgrade rewards?
I was under the impression that Globalist status granted the member suite upgrades with a standard room reservation unless suites are already fully booked for planned stay dates. I’m working hard to achieve Globalist status and that was one of the perks I was most attracted by. Thanks in advance for any insights you can share on that based on your experiences in traveling through Southeast Asia.
We do get upgraded quite often, but they aren't always available
I'm looking to travel in South America... Argentina, Uruguay, Chile, Brazil. Do you guys know anything about Hyatt and IHG in that part of the world?
I’ve had all these statuses and Hyatt is on par with what Starwood used to be before Marriott bought them. IHG status is only good for higher-end properties. In my experience, Marriott and Hyatt have better higher-end properties than IHG.
Great video!!!! Did you guys do an end of October video ?
We did not! The travel schedule has been very busy!
I have a question regarding IHG status. Do nights carryover to the next year? Example, if you end 2024 with 35 nights, can you stay 5 nights in 2025 then get status for 2025/2026?
Yes! Marriott could be more generous. I always get upgrades when I use a Marriott, but it is constantly pricey. Hilton is also a pain.
Which IHG card should you start with? IHG has a free card and one with a $99 annual fee. I will be traveling to Thailand and Japan.
It's the $99 dollar one. IHG One Rewards Premier Credit Card
@ Great!! Thank you
Question about the criteria used. Did you consider the CC and other benefits it offers for the particular chain? Say IHG is better for x or y because their car also give you this and that benefit? Or was it solely on the chain membership like Hilton Honors (without any Hilton card)??
Waiting for your thoughts on Wyndham and Choice!
I always got good values for my IHG in East Asia. I’ve no doubt Hyatt will be the same or better; it’s just that they have a lot less properties than IHG in East Asia. Correct me if I’m wrong, I believe you guys have Marriott Gold status that came with Amex. I wonder if you had the Brilliant card, it’d make a huge difference since you’d have access to lounge and I know you will get more upgrade with the Platinum status in Asia. I feel like all I need is IHG, Hyatt, and Marriott in Asia.
The aspire is good for non long term hotel peeps.
Marriott absolutely does not care about status. They did many years ago but that changed. I used to almost exclusively stay at Marriott but now I avoid them
Great video and I appreciate the perspective. I have the Hyatt card and they are definitely the most valuable hotel points currency. Hyatt milestone rewards are fun and I appreciate they don’t charge resort fees on nights paid on points. Hilton also doesn’t charge resort fees on nights paid on points (Marriott and IHG do) and with Gold status and above you (and a player 2) get a breakfast credit at participating brands (the breakfast credit is more with higher brands). I like that you can buy Hilton points on sale and you can book 4 nights on points to get the 5th free. Side note, I do have the Aspire card lol and have received a few very nice upgrades stateside. I haven’t explored IHG yet but that might be next, I like that you can buy points and book 3 nights in points and get the 4th free. Stateside I don’t see as many great IHG points redemptions which has given me some pause.
I love Hyatt, but the resorts that I have looked at do charge resort fees
@ agree they charge resort fees, but resort fees are waived if you pay on points
Not sure where you guys are travelling honestly. With Marriott I've had a 100% suite upgrade rate, and that includes three Ritz-Carltons. Thats with Marriott Platinum. I've been upgraded to a suite in a Marriott everywhere from Istanbul to Cusco to Bali.
We just got the IHG👍🏻
It is awesome
What status do u need to get ihg free lounge access?
One other Hyatt related question - are you taking advantage of Hyatt’s “25% More” point sale going on now through early January? Do you think that represents a good value?
It depends on your use case, in many cases it would, you just have to do the math on your particular property
As a lifetime Titanium Elite, I agree with you on the sorry state of that program right now. Why not name that one Marriott that treated you well?
Does hotel status reset every year like airline status, or do you keep it once you achieve it?
Would like to hear your experiences in Europe.
QQ. Hello currently in IHG for the next 6 weeks will have 40 nights prior to end of December. How to leverage lounge access for 2025/2026. Thank you for all the information
Wait until January to actually select the reward in the app
@ Will do, thank you for responding.
You will receive the award choices after your 40th night stay posts. Just wait until Jan 1st to select the Lounge Access award.
We are doing the same thing.
Did the buy points get 100% more points still give you 20% off your points purchase if you used your high credit card?
Since you spend so much time in Asia puzzling that you never mention Accor
One other thing, these hotel credit cards are only available to US residents. So a lot of this is not applicable to the rest of the world
With Marriott you didn't build actual status with them. The real status is the life time status. Once you build that then you get great upgrades. I travel with work and usually stay in hotels for 300 plus days a year. I use Marriott and IHG. I'll do the first 100 days in IHG then stay the rest of the time in Marriotts. And you didn't get the top tier status as there is a spend. Of course you're not talking about this on your videos which I find very miss leading.
I agree, I have Lifetime status and earned them from work and I also lived in a Marriott for 9 mths while my house was being built.
With copytrading, you could be sipping coffee on a balcony overlooking a bustling city skyline or lounging on a pristine beach, all while your investments work for you. Picture the freedom to pursue your passions, travel the world, and create lasting memories with your loved ones, all because you took the initiative to harness the power of copytrading and build the life you've always dreamed of.
I'm celebrating a $60k stock portfolio today. started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me just one of the things copy tradee can do.
Do you invest with a professional broker? I'd appreciate it if you show me how to go about it.
Can't share much here, I take guidance from ‘Sophia E Haney’ a renowned figure in her industry with over two decades of work experience. I'd suggest you research her further on the web.
Use her name to quickly conduct an internet search.
SHE’S MOSTLY ON TELEGRAMS APPS WITH HER NAME.
There are better hotels in South East Asia and Europe than IHG, Marriot, Hilton or Hyatt. Promoting your referral links to get commissions makes the review bias. Selling your main residence and squandering the equity that you built for over 20 years RENTING hotels and then trying to make back with a RUclips channel is not retirement and is unwise ❤.