New year, new you, new travel card strategy? With the help of an extra special guest - TT co-founder Nick Serati - the guys answer the age-old question: What’s in our wallets? They tackle rising annual fees, Bilt’s botched rollout, and other travel credit card trends shaping the year ahead. Plus, Gunnar recaps a romantic hot air balloon ride and the guys help a listener plan a card strategy around taking two trips to Europe with her best friend.