Travel credit cards have a certain glow to them. Airport lounges. Complimentary upgrades. Points that promise a future in first class. The marketing photos alone could make you believe you’re one sign-up bonus away from sipping something sparkling at 35,000 feet.

Some weeks, your usual spending limit fits like a well-tailored jacket. Other weeks, it feels wildly out of touch with reality. Groceries creep higher. Gas jumps again. A utility bill surprises you. Suddenly, the number that once worked feels almost fictional.

At some point in your career, you log into a retirement account and think, “Wait… which job was this from?” Then you remember another one. And maybe another. Suddenly, your future nest egg is scattered across former employers like digital breadcrumbs.

January has a way of telling the truth. The decorations are packed away, the inbox is full of order confirmations, and your bank account reflects every generous impulse from the past few weeks. It’s not shameful. It’s human. The holidays invite celebration, convenience, and sometimes a little financial looseness.

Insurance isn’t exciting. It doesn’t sparkle on your credit card statement or earn applause at dinner parties. But it quietly protects almost everything you’re working for—your home, your car, your income, your peace of mind.