Disclosure: Y2C may receive compensation from suppliers of the products and services listed here and elsewhere in this blog. We will always strive to recommend only the best products, including products we use ourselves. We will never shy away from frankly considering the pros and cons of any given product, and appreciate your support to keep this site running. We plan on providing reviews and detailed information on all products listed here shortly!

Referral Categories


Credit Cards

Starwood Preferred Guest American Express. 25,000 SPG Starpoints after you spend $3,000 in the first 3 months, and if you apply before April 5, 2017,  an additional 10,000 SPG Starpoints after you spend $5,000 in the first 6 months. Earns 5x on SPG bookings, 2x on Marriott bookings, and 1x everywhere else. $95 annual fee is waived in the first year.


Platinum Delta SkyMiles® American Express. Currently only offering 35,000 Delta SkyMiles, but periodically offers signup bonuses as high as 70,000 Delta SkyMiles. Be sure to read our review of the Delta Platinum Amex, and our two-part guide on understanding and using the Delta Platinum Amex’s annual companion certificate. $195 is not waived in the first year.


 Student Loans– check out our Student Loan Refinance reviews and recommendations!


First Republic

First Republic Bank. The lowest rates around and  a 2% rebate for paying off the balance within 4 years., in exchange for significant restrictions. Referred borrowers receive $200: Email Patrick Gogan and tell him Your Two Cents sent you.


Earnest. Tech-driven, data-heavy online refinancer. Referred borrowers receive $200. Referral link coming soon!


Sofi. The original online refinancing platform. Good advertised rates, but actual offered rates may vary significantly Referred borrowers receive $100 when you apply through our link.





Referral links for Uber, Lyft, AirBnB, and others coming soon!



Referral links for Handy, Amazon, and others coming soon!