I have a spreadsheet for every spending category. I have evaluated every major credit card in the US market. I have explained the math on the Amex Gold to seventeen people who were skeptical of the annual fee. Sixteen of them now have the card.
My approach: specific numbers, not adjectives. "$172 more annually from dining" is a claim. "Better rewards" is not. Everything on this site is a claim with math behind it.
Marcus, who is my husband, used a debit card for eleven years. He has since been corrected. The data was always going to win. It just took time.
“She's been doing this for three years. That's $4.32 every dinner. Every dinner for three years. [beat] I sent her the guide.”
Every episode, same rule: the flaw never resolves. That's the show.