Michael Martinez Finance
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Proven tools and guides covering credit card strategy, spend optimization, budgeting, business systems, and AI. Built for people who want to optimize their finances and travel for less.
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What’s Inside
Credit Card ROI Calculator
Run the break-even math on any card. Plug in your spend — the math is automatic.
AI Prompt Guide
40+ field-tested AI prompts for credit card strategy, approval research, and spend optimization.
Approval Checklist
The 5-rule pre-application framework. Know before you apply — protect your score.
Delta Strategy Guide
The SkyMiles stacking playbook: card combinations, miles vs. cash math, and Medallion break-even.