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Danang Beach

Welcome to Smart Money and Travel!

We are Tran and QL. Our goals are simple, to achieve financial independence as soon as possible and to see the world with the help of credit card miles and points.

Here we will share our thoughts on:

  • Personal finance
  • Early retirement milestones and strategies
  • Investing
  • Miles and points opportunities
  • Travel stories and reviews from all the places we visit

Our Story

We both grew up in low income families. We have always loved to travel but didn’t have the means during school to do so. In 2014, we started to learn about miles, points, and credit card bonuses. The more we read, the more we believed it would be possible to travel frequently and in style without breaking the bank. 

We got serious about the hobby in 2015 and started saving our points for our honeymoon. We got married in 2017 and used our miles and points for a two week honeymoon to Japan and Vietnam

When we returned to the States, we started thinking seriously about financial independence and retiring early (FIRE) and decided to start working toward that dream purposefully.

Where to start?

We literally started from nothing and have a long way to go. Check out the below posts to read an overview of our backgrounds or see our spending goals this year. We’ll share more on our backgrounds later if there is interest.

Our Origins
Our 2018 Budget 

Start learning about miles and points by reading the below posts.

Which cards to apply for first
How to meet minimum spends part 1
How to meet minimum spends part 2

Social Media

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Free Wealth Management

If you’re interested in optimizing your finances, I recommend signing up with Personal Capital (review here). It is a free online platform which aggregates all your financial accounts in one place to organize all of your spending and assets. The company is based in San Francisco and was founded in 2011 by Bill Harris, former CEO of Intuit and Paypal.

Drop us a note or leave a comment if you have any questions.

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