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I have been fighting against a lifelong workaholic streak I’ve had. If you’ve ever struggled to relax during free time or feel best when you are putting my fires out, you may be shocked to learn that your brain may actually have developed a physical addiction to the adrenaline of being forced to perform. My therapist mentioned this might happen and I certainly have felt it. You can make it through the withdrawals! This is a great piece on it :
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Amex Gold is hands down the best card for someone who isn’t a road warrior. Most years the net fee is $10, and this year you actually get more back from perks than the fee in some cases. Plus the points bonus categories are hard to beat.
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I’d chase signup bonuses first and start with Chase cards since they limit you to 5 new cards in the past 24 months across all issuers. If you’ve had the CSR for at least four years, I’d call Chase to downgrade it to a Freedom Unlimited (or Freedom Flex if you prefer) and then apply for a CSP with the current 100k signing bonus.