Once a quarter or so, I do something I call "Look At Money Time." I go through my credit cards and bank accounts to see exactly what's going on. What subscription have I forgotten about? Just how behind on retirement am I? Is there a recovery program for ordering Seamless? The biggest financial conundrum for me lately is my American Express Platinum card. I wrote about Gen Z's love for Amex last year and in the process sold my skeptical millennial self on the whole deal, despite the $695 annual price tag. Now, Amex Platinum's yearly fee is going up to a whopping $895. The jump has turned "Look At Money Time" into "Worry and Judge Self About Money Extravaganza."

The Amex Platinum card has been around since 1984, and in the realm of fancy credit cards, it's one of the fanciest, along with t

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